| 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 | $137K | $92 | $137K | 2.79% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 500 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 3.66% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DRIVE JERICHO, NY 11753 | AFLAC | $3K | — | $3K | 5.52% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | — | $1K | 2.22% |
| TREVOR FENNELL3 Filed as: TREVOR CONNELL | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $505 | — | $505 | 1.11% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $464 | — | $464 | 1.02% |
| MJ INSURANCE3 Filed as: PATRICK HARDIC AND VARIOUS AGENTS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $460 | — | $460 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVENUE, UNIT 3D BROOKLYN, NY 11209 | AFLAC | $349 | — | $349 | 0.76% |
| MARY ANN MASTROIANNI3 | 788 CAPTAINS GATE WESTBURY, NY 11590 | AFLAC | $182 | — | $182 | 0.40% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 65229 DALLAS, TX 75265 | HARTFORD LIFE INSURANCE COMPANY | $177 | — | $177 | 0.66% |
| AUSTIN & CO INC3 Filed as: AUSTIN AND CO INC. | 20 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | HARTFORD LIFE INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $723 | — | $723 | 5.98% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $313 | $313 | 3.66% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 552 | $4.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 552 | $4.9M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 396 | $12K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 334 | $68K |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 326 | $27K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 552 | $4.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 334 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.