| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | OXFORD HEALTH INSURANCE, INC. | $45K | $2K | $47K | 4.16% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | EMBLEMHEALTH - HIP | $5K | — | $5K | 4.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.05% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.26% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 752654118 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $81 | $3K | 15.48% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | EMBLEMHEALTH | $1K | — | $1K | 10.00% |
| ORIANA L RENDE3 | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $564 | $165 | $729 | 7.23% |
| HILARY A BURNS3 | 3 MARSH COURT WESTPORT, CT 06880 | AFLAC | $195 | $33 | $228 | 2.26% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL R BONAMARTE | 22 BAYVIEW DR BROOKFIELD, CT 06804 | AFLAC | $198 | — | $198 | 1.96% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVENUE 24TH FLOOR NEW YORK, NY 10016 | AFLAC | $178 | — | $178 | 1.77% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVENUE SUITE 103 NORWALK, CT 06854 | AFLAC | $99 | $33 | $132 | 1.31% |
| MICHAEL T REYES3 | 185 PLAINS RD SUITE 200 E MILFORD, CT 06461 | AFLAC | $75 | $33 | $108 | 1.07% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LN WESTPORT, CT 06880 | AFLAC | $84 | — | $84 | 0.83% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | AFLAC | $17 | — | $17 | 0.17% |
| MATTHEW G BERGER3 | 1020 N DELAWARE AVENUE SUITE 4, SUITE A302 PHILADELPHIA, PA 19125 | AFLAC | $17 | — | $17 | 0.17% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | PO BOX 1079 SOUTHPORT, CT 06890 | AFLAC | $12 | — | $12 | 0.12% |
| DARLENE S DILLON3 | 282 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $5 | — | $5 | 0.05% |
| ORIANA L RENDE3 | 226 GOOD HILL ROAD WESTON, CT 06883 | AFLAC | $70 | $29 | $99 | 1.83% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | 2 PARK AVENUE 24TH FLOOR NEW YORK, NY 10016 | AFLAC | $62 | — | $62 | 1.14% |
| HILARY A BURNS3 | 3 MARSH COURT WESTPORT, CT 06880 | AFLAC | $50 | $6 | $56 | 1.03% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL R BONAMARTE | 22 BAYVIEW DR BROOKFIELD, CT 06804 | AFLAC | $42 | — | $42 | 0.78% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $36 | — | $36 | 0.66% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 535 CONNECTICUT AVE SUITE 103 NORWALK, CT 06854 | AFLAC | $21 | $6 | $27 | 0.50% |
| MICHAEL T REYES3 | 185 PLAINS RD SUITE 200E MILFORD, CT 06461 | AFLAC | $13 | $6 | $19 | 0.35% |
| MJ INSURANCE3 Filed as: MARK V BURNS | 3 MARSH COURT WESTPORT, CT 06880 | AFLAC | $17 | — | $17 | 0.31% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | PO BOX 1079 SOUTHPORT, CT 06890 | AFLAC | $13 | — | $13 | 0.24% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | AFLAC | $12 | — | $12 | 0.22% |
| MATTHEW G BERGER3 | 1020 N DELAWARE AVE SUITE 4, SUITE A302 PHILADELPHIA, PA 19125 | AFLAC | $8 | — | $8 | 0.15% |
| JOHN K SCHULE3 | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $3 | — | $3 | 0.06% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 128 | $1.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 89 | $77K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $20K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 110 | $17K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 128 | $1.2M |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.