| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $27K | $43 | $27K | 2.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $23K | $0 | $23K | 1.71% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | EMBLEMHEALTH | $3K | $0 | $3K | 3.85% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | EMBLEMHEALTH | $2K | $0 | $2K | 3.09% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $6K | 15.00% |
| ORIANA L RENDE3 Filed as: ORIANA RENDE | 226 GOOD HILL ROAD WESTON, CT 06883 | AFLAC | $1K | $125 | $1K | 7.17% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 PARK AVENUE, 24TH FLOOR NEW YORK, NY 10016 | AFLAC | $272 | $0 | $272 | 1.46% |
| THE HORTON GROUP3 Filed as: ALEX HORTON AND VARIOUS AGENTS | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $272 | $0 | $272 | 1.46% |
| HILARY A BURNS3 Filed as: HILARY BURNS | 3 MARCH COURT WESTPORT, CT 06880 | AFLAC | $250 | $0 | $250 | 1.34% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL BONAMARTE | 24 LONGVIEW DRIVE BROOKFIELD, CT 06804 | AFLAC | $201 | $0 | $201 | 1.08% |
| ELLEN TURTON3 | 66 HARBOR AVENUE, APARTMENT 2 BRIDGEPORT, CT 06605 | AFLAC | $165 | $25 | $190 | 1.02% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $144 | $25 | $169 | 0.90% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $1K | $0 | $1K | 9.99% |
| ORIANA L RENDE3 Filed as: ORIANA RENDE | 226 GOOD HILL ROAD WESTON, CT 06883 | AFLAC | $811 | $0 | $811 | 12.94% |
| ELLEN TURTON3 | 66 HARBOR AVENUE, APARTMENT 2 BRIDGEPORT, CT 06605 | AFLAC | $124 | $0 | $124 | 1.98% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | AFLAC | $120 | $0 | $120 | 1.91% |
| HILARY A BURNS3 Filed as: HILARY BURNS | 3 MARCH COURT WESTPORT, CT 06880 | AFLAC | $103 | $0 | $103 | 1.64% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $91 | $0 | $91 | 1.45% |
| THE HORTON GROUP3 Filed as: ALEX HORTON AND VARIOUS AGENTS | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $55 | $0 | $55 | 0.88% |
| MICHAEL R. BONAMARTE3 Filed as: MICHAEL BONAMARTE | 24 LONGVIEW DRIVE BROOKFIELD, CT 06804 | AFLAC | $31 | $0 | $31 | 0.49% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $380 | $0 | $380 | 10.00% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 151 | $1.5M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 151 | $1.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $43K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $43K |
| Prescription drug(2 contracts) | EMBLEMHEALTH | 13 | $135K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.