| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | EMPIRE HEALTHCHOICE ASSURANCE INC | $62K | $12K | $75K | 2.78% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | EMPIRE HEALTHCHOICE ASSURANCE INC | $21K | — | $21K | 0.79% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $136 | $4K | 2.61% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | METROPOLITAN LIFE INSURANCE COMPANY | $475 | — | $475 | 0.30% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $1K | $4K | 5.69% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $255 | — | $255 | 0.35% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $824 | $4K | 6.45% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $266 | — | $266 | 0.48% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $559 | $4K | 10.64% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $453 | — | $453 | 1.21% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC | 269 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 389 | $159K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO NY | 353 | $16K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 227 | $72K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 171 | $55K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 172 | $37K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE INC | 269 | $2.7M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 227 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.