| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 1540 CORNERSTONE BLVD STE 200 DAYTONA BEACH, FL 321177144 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 4.04% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $7K | — | $7K | 3.85% |
| CORPORATE SYNERGIES GROUP LLC3 | 1540 CORNERSTONE BLVD STE 200 DAYTONA BEACH, FL 321177144 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.45% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 17.40% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $1K | — | $1K | 9.44% |
| ORIANA L RENDE3 | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $623 | — | $623 | 4.89% |
| MJ INSURANCE3 Filed as: MICHAEL R ROBERTS & VARIOUS AGENTS | 110 LIMERICK RD FAIRFIELD, CT 06824 | AFLAC | $279 | — | $279 | 2.19% |
| HILARY A BURNS3 | 3 MARSH CT WESTPORT, CT 06880 | AFLAC | $175 | — | $175 | 1.37% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $165 | — | $165 | 1.30% |
| MICHAEL R. BONAMARTE3 | 24 LONGVIEW DR BROOKFIELD, CT 06804 | AFLAC | $120 | — | $120 | 0.94% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $77 | — | $77 | 0.60% |
| ELLEN TURTON3 Filed as: ELLEN T TURTON | 73 OLD DAM RD FAIRFIELD, CT 06824 | AFLAC | $70 | — | $70 | 0.55% |
| ORIANA L RENDE3 | 226 GOOD HILL RD WESTON, CT 06883 | AFLAC | $137 | — | $137 | 7.31% |
| ELLEN TURTON3 Filed as: ELLEN T TURTON | 73 OLD DAM RD FAIRFIELD, CT 06824 | AFLAC | $30 | — | $30 | 1.60% |
| JUSTIN GRIFFEY3 | 109 BOSTON POST RD STE 6-7 ORANGE, CT 06477 | AFLAC | $20 | — | $20 | 1.07% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $19 | — | $19 | 1.01% |
| HILARY A BURNS3 | 3 MARSH CT WESTPORT, CT 06880 | AFLAC | $19 | — | $19 | 1.01% |
| MJ INSURANCE3 Filed as: MICHAEL T REYES & VARIOUS AGENTS | 250 WINTON RD FAIRFIELD, CT 06824 | AFLAC | $19 | — | $19 | 1.01% |
| MICHAEL REYES3 Filed as: MICHAEL R ROBERTS | 110 LIMERICK RD FAIRFIELD, CT 06824 | AFLAC | $11 | — | $11 | 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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 80 | $1.5M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $91K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $78K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $39K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $39K |
| Prescription drug | EMBLEMHEALTH | 14 | $169K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.