| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $302 | $7K | 5.18% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP, LLC | 34 BAY STREET SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $5K | $5K | 3.97% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $2K | $17K | 16.97% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | VISION SERVICE PLAN | $2K | — | $2K | 9.07% |
| ANTHONY CAVALLARO3 | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $2K | — | $2K | 31.76% |
| LISA MINICOZZI3 | 19 JARVIS COURT HUNTINGTON, NY 11743 | AFLAC | $673 | $4 | $677 | 11.91% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $270 | — | $270 | 4.75% |
| FRANK MORIZIO JUNIOR3 | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $65 | — | $65 | 1.14% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 179 | $127K |
| Vision | VISION SERVICE PLAN | 156 | $18K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $98K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $98K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $98K |
| Other(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.