| 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 | AETNA LIFE INSURANCE COMPANY | — | $9K | $9K | 0.28% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $18K | 21.26% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| DOROTHY MEYER3 | 111 THOMAS STREET BRENTWOOD, NY 11717 | AFLAC | $579 | — | $579 | 7.08% |
| GARY DESTEFANO3 | 23 LEIGH DRIVE SMITHTOWN, NY 11787 | AFLAC | $182 | — | $182 | 2.23% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL AND SILVIA DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015 W HOLBROOK, NY 11741 | AFLAC | $171 | — | $171 | 2.09% |
| KENNETH C MEIER CORP Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $59 | — | $59 | 0.72% |
| ALAN MARKOWITZ3 | 17 LINDSEY PLACE NORTHBROOK, NY 11741 | AFLAC | $33 | — | $33 | 0.40% |
| CAMILLO MONACO3 | 79 COLUMBUS AVENUE, UNIT 2B WEST HARRISON, NY 10604 | AFLAC | $33 | — | $33 | 0.40% |
| MJ INSURANCE3 Filed as: GABRIEL PIRRELLO AND VARIOUS AGENTS | 54 SMITH AVENUE WHITE PLAINS, NY 10605 | AFLAC | $23 | — | $23 | 0.28% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 449 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $85K |
| Vision | VISION SERVICE PLAN | 186 | $26K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $94K |
| Short-term disability | AFLAC | 8 | $8K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $85K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 449 | $3.1M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.