| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $306 | $5K | 14.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.03% |
| DAVID GROSSMAN3 Filed as: DAVID A IANNACONE | 185 FAIRFIELD AVE STE 1C WEST CALDWELL, NJ 07006 | AFLAC | $2K | $191 | $3K | 11.37% |
| MJ INSURANCE3 Filed as: RICHARD WHELAN AND VARIOUS AGENTS | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $674 | $32 | $706 | 3.13% |
| ALEXANDRA LLANO3 | 9 ALFRED PL APT 1 LITTLE FERRY, NJ 07643 | AFLAC | $466 | $78 | $544 | 2.41% |
| SEAN GILMORE3 | 438 KINGSLAND AVE LYNDHURST, NJ 07071 | AFLAC | $228 | $36 | $264 | 1.17% |
| CHRISTOPHER SAULLE3 | 4216 HERMITAGE RD VIRGINIA BEACH, VA 23455 | AFLAC | $169 | — | $169 | 0.75% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $101 | $62 | $163 | 0.72% |
| PEREZ BENEFITS CONSULTANT LLC3 | PO BOX 555 RIDGEWOOD, NJ 07451 | AFLAC | $153 | — | $153 | 0.68% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 145 | $89K |
| Vision | AETNA LIFE INSURANCE CO. | 145 | $89K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $35K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $35K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.