| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - CAMDEN | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 3.64% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $7K | — | $7K | 4.12% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - CAMDEN | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.79% |
| CORPORATE SYNERGIES GROUP LLC3 | 1212 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 1.89% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.06% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.72% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK | UNKNOWN NEW YORK, NY 10128 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $880 | $880 | 1.60% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $2K | — | $2K | 16.38% |
| CHARLES F TAVORMINA3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $992 | — | $992 | 9.74% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $408 | — | $408 | 4.00% |
| JASON D HARTMAN3 | 3136 STATE ROUTE 207 CAMPBELL HALL, NY 10916 | AFLAC | $266 | — | $266 | 2.61% |
| ORIANA L RENDE3 Filed as: ORIANA LIBBY RENDE | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $223 | — | $223 | 2.19% |
| JUSTIN GRIFFEY3 | AND VARIOUS AGENTS 7 MICHELE DR CARLISLE, PA 17013 | AFLAC | $112 | — | $112 | 1.10% |
| MICHAEL P ZILINSKI3 | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $75 | — | $75 | 0.74% |
| ORIANA L RENDE3 Filed as: ORIANA LIBBY RENDE | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $194 | — | $194 | 4.43% |
| CHARLES F TAVORMINA3 | AND VARIOUS AGENTS 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $84 | — | $84 | 1.92% |
| ELLEN TURTON3 Filed as: ELLEN T TURTON | 2160 KINGS HWY UNIT 10 FAIRFIELD, CT 06824 | AFLAC | $68 | — | $68 | 1.55% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $50 | — | $50 | 1.14% |
| MICHAEL R. BONAMARTE3 | 24 LONGVIEW DR BROOKFIELD, CT 06804 | AFLAC | $48 | — | $48 | 1.09% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $47 | — | $47 | 1.07% |
| JUSTIN GRIFFEY3 | 7 MICHELE DR CARLISLE, PA 17013 | AFLAC | $42 | — | $42 | 0.96% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $1.9M |
| Dental(2 contracts, 2 carriers) | EMBLEMHEALTH | 135 | $253K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $87K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $55K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $55K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.