| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $239 | $8K | 5.64% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $6K | $6K | 4.37% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 OF DEARBORN CENTER SUITE 100 MOUNT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $1K | $15K | 12.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.03% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.97% |
| ANTHONY CAVALLARO3 | 83 WICHARD BLVD COMMACK, NY 11725 | AFLAC | $1K | $202 | $2K | 23.13% |
| FRANK MORIZIO JUNIOR3 | 84 VIRGINIA AVENUE OCEANSIDE, NY 11572 | AFLAC | $201 | $26 | $227 | 3.10% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $156 | $45 | $201 | 2.74% |
| LISA MINICOZZI3 | 19 JARVIS COURT HUNTINGTON, NY 11743 | AFLAC | $138 | $31 | $169 | 2.31% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES DAVID | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $91 | $3 | $94 | 1.28% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 209 | $140K |
| Vision | VISION SERVICE PLAN | 169 | $20K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $120K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $120K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $120K |
| Other(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.