| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVSR DBA ASSURED3 Filed as: AP BENEFIT ADVSR | DBA ASSURED PARTNERS WB 718 RIVER RD FAIR HAVEN, NJ 07704 | OXFORD HEALTH INSURANCE, INC | $54K | — | $54K | 3.61% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 2.63% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC-NJ | 718 RIVER RD FAIR HAVEN, NJ 077043359 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.35% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | OXFORD HEALTH INSURANCE, INC | $20K | — | $20K | 2.68% |
| FOREST HILLS FINANCIAL GROUP NORTH3 Filed as: FOREST HILLS GROUP SERVICES, INC | 200 BROADHOLLOW ROAD SUITE 405 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | $11K | — | $11K | 1.47% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC | — | $7K | $7K | 0.87% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 4.78% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $3K | — | $3K | 2.33% |
| AP BENEFIT ADVISORS, LLC3 Filed as: A P BENEFIT ADVISORS LLC | DBA ASSUREDPARTN 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $3K | — | $3K | 4.23% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $952 | — | $952 | 1.39% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | DBA ASSUREDPARTNERS WB 718 RIVER RD FAIR HAVEN, NJ 07704 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 16.66% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 11.01% |
| NATHAN M PERLMUTTER3 | 28 PARISH POND LANE SOUTHAMPTON, NY 11968 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $400 | — | $400 | 0.75% |
| HARVEY E WEINER3 | 895 SHARI LN EAST MEADOW, NY 11554 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $400 | — | $400 | 0.75% |
| FOREST HILLS FINANCIAL GROUP3 Filed as: FOREST HILLS FINANCIAL GROUP N | 11835 QUEENS BLVD STE 1230 FOREST HILLS, NY 113757204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.02% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVER - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 4.16% |
| AP BENEFIT ADVISORS, LLC3 Filed as: A P BENEFIT ADVISORS LLC | DBA ASSUREDPARTN 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $437 | — | $437 | 0.88% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 6.12% |
| FOREST HILLS FINANCIAL GROUP NORTH3 Filed as: FOREST HILLS GRP SVCS INC | 200 BROADHOLLOW RD SUITE 405 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 3.83% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 3.45% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.31% |
| AP BENEFIT ADVISORS, LLC3 Filed as: A P BENEFIT ADVISORS LLC | DBA ASSUREDPARTN 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE DENTAL, INC. | $1K | — | $1K | 4.24% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVER - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE DENTAL, INC. | $969 | — | $969 | 4.11% |
| AP BENEFIT ADVISORS, LLC3 Filed as: A P BENEFIT ADVISORS LLC | DBA ASSUREDPARTN 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE DENTAL, INC. | $207 | — | $207 | 0.88% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC-NJ | 718 RIVER RD FAIR HAVEN, NJ 077043359 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.89% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $963 | — | $963 | 9.84% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC-NJ | 718 RIVER RD FAIR HAVEN, NJ 077043359 | UNITEDHEALTHCARE INSURANCE COMPANY | $113 | — | $113 | 1.15% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $576 | $18 | $594 | 10.25% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $210 | $210 | 3.62% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $275 | — | $275 | 7.42% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | DBA ASSUREDPARTNERS WB 718 RIVER RD FAIR HAVEN, NJ 07704 | UNITEDHEALTHCARE INSURANCE COMPANY | $552 | — | $552 | — |
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 | 937 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 966 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 227 | $3.6M |
| Dental(6 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 94 | $221K |
| Vision(5 contracts, 3 carriers) | VISION SERVICE PLAN | 699 | $197K |
| Life insurance(6 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 936 | $682K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 936 | $534K |
| Long-term disability(6 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 936 | $682K |
| Prescription drug(4 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 227 | $3.6M |
| Other(6 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 877 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.