| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 S DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $152K | $15K | $167K | 3.33% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | HARTFORD LIFE INSURANCE COMPANY | $5K | $2K | $6K | 6.22% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.19% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DRIVE JERICHO, NY 11753 | AFLAC | $5K | $0 | $5K | 9.69% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $0 | $1K | 2.39% |
| MJ INSURANCE3 Filed as: MARY MASTROIANNI AND VARIOUS AGENTS | 788 CAPTAINS GATE WEDSTBURY, NY 11590 | AFLAC | $495 | $0 | $495 | 1.05% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $457 | $0 | $457 | 0.97% |
| TREVOR FENNELL3 | 14835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $453 | $0 | $453 | 0.96% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER CORP. | 401 FRANKLIN BOULEVARD, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $410 | $0 | $410 | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLGHER | 173 GELSTON AVENUE, UNIT 3D BROOKLYN, NY 11209 | AFLAC | $305 | $0 | $305 | 0.65% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 200 EAST PARK DRIVE, SUITE 600 MOUNT LAUREL, NJ 08054 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $686 | $0 | $686 | 3.66% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $61 | $0 | $61 | 0.33% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $512 | $512 | 6.25% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | 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 | 565 | $5.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 565 | $5.0M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 396 | $19K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 323 | $64K |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 334 | $102K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE INSURANCE COMPANY | 334 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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."
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.