| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $61K | $4K | $65K | 4.20% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | EMBLEMHEALTH | $5K | — | $5K | 3.85% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $601 | $6K | 12.48% |
| ORIANA L RENDE3 | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $455 | $27 | $482 | 3.21% |
| THE HORTON GROUP3 Filed as: ALEX HORTON AND VARIOUS AGENTS | 27 JENNIE LN WESTPORT, CT 06880 | AFLAC | $246 | — | $246 | 1.64% |
| HILARY A BURNS3 Filed as: HILARY A. BURNS | 3 MARSH CT WESTPORT, CT 06880 | AFLAC | $231 | — | $231 | 1.54% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $187 | — | $187 | 1.25% |
| MICHAEL R. BONAMARTE3 | 24 LONGVIEW DR BROOKFIELD, CT 06804 | AFLAC | $145 | — | $145 | 0.97% |
| ELLEN TURTON3 Filed as: ELLEN T TURTON | 66 HARBOR AVE APT 2 BRIDGEPORT, CT 06605 | AFLAC | $95 | $5 | $100 | 0.67% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $90 | $5 | $95 | 0.63% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $1K | — | $1K | 9.99% |
| ORIANA L RENDE3 | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $175 | — | $175 | 3.48% |
| MJ INSURANCE3 Filed as: MICHAEL R ROBERTS & VARIOUS AGENTS | 110 LIMERICK RD FAIRFIELD, CT 06824 | AFLAC | $82 | — | $82 | 1.63% |
| HILARY A BURNS3 Filed as: HILARY A. BURNS | 3 MARSH CT WESTPORT, CT 06880 | AFLAC | $77 | — | $77 | 1.53% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $61 | — | $61 | 1.21% |
| MICHAEL R. BONAMARTE3 | 24 LONGVIEW DR BROOKFIELD, CT 06804 | AFLAC | $48 | — | $48 | 0.96% |
| ELLEN TURTON3 Filed as: ELLEN T TURTON | 66 HARBOR AVE APT 2 BRIDGEPORT, CT 06605 | AFLAC | $29 | — | $29 | 0.58% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $28 | — | $28 | 0.56% |
| ORIANA L RENDE3 | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $223 | $42 | $265 | 5.38% |
| HILARY A BURNS3 Filed as: HILARY A. BURNS | 3 MARSH CT WESTPORT, CT 06880 | AFLAC | $85 | — | $85 | 1.72% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $58 | $8 | $66 | 1.34% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $61 | — | $61 | 1.24% |
| ELLEN TURTON3 Filed as: ELLEN T TURTON | 66 HARBOR AVE APT 2 BRIDGEPORT, CT 06605 | AFLAC | $49 | $8 | $57 | 1.16% |
| THE HORTON GROUP3 Filed as: ALEX HORTON AND VARIOUS AGENTS | 27 JENNIE LN WESTPORT, CT 06880 | AFLAC | $52 | — | $52 | 1.05% |
| MICHAEL R. BONAMARTE3 | 24 LONGVIEW DR BROOKFIELD, CT 06804 | AFLAC | $31 | — | $31 | 0.63% |
| ORIANA L RENDE3 | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $34 | — | $34 | 4.02% |
| ELLEN TURTON3 Filed as: ELLEN T TURTON | 66 HARBOR AVE APT 2 BRIDGEPORT, CT 06605 | AFLAC | $12 | — | $12 | 1.42% |
| MJ INSURANCE3 Filed as: MICHAEL R ROBERTS & VARIOUS AGENTS | 110 LIMERICK RD FAIRFIELD, CT 06824 | AFLAC | $12 | — | $12 | 1.42% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $11 | — | $11 | 1.30% |
| HILARY A BURNS3 Filed as: HILARY A. BURNS | 3 MARSH CT WESTPORT, CT 06880 | AFLAC | $8 | — | $8 | 0.95% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $7 | — | $7 | 0.83% |
| MICHAEL R. BONAMARTE3 | 24 LONGVIEW DR BROOKFIELD, CT 06804 | AFLAC | $5 | — | $5 | 0.59% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 160 | $1.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 160 | $1.6M |
| Vision | AETNA LIFE INSURANCE CO. | 160 | $1.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $47K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $47K |
| Prescription drug | EMBLEMHEALTH | 12 | $131K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.