| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $159K | $0 | $159K | 3.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $15K | $11K | $25K | 8.50% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.23% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HARTFORD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.50% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $2K | $7K | 8.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.34% |
| SIMONE HIRSCH3 | 7 MAPLE RUN DRIVE JERICHO, NY 11753 | AFLAC | $6K | $198 | $6K | 12.50% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $41 | $1K | 2.45% |
| MJ INSURANCE3 Filed as: JILL RAPPAPORT AND VARIOUS AGENTS | 141 22ND STREET BROOKLYN, NY 11232 | AFLAC | $829 | $0 | $829 | 1.60% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $747 | $40 | $787 | 1.52% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUIE 312 GARDEN CITY, NY 11530 | AFLAC | $379 | $0 | $379 | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 173 GELSTON AVENUE APARTMENT 3D BROOKLYN, NY 11209 | AFLAC | $283 | $0 | $283 | 0.55% |
| MARY ANN MASTROIANNI3 | 788 CAPTAINS GATE WESTBURY, NY 11590 | AFLAC | $113 | $0 | $113 | 0.22% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 200 EAST PARK DRIVE, SUITE 600 MOUNT LAUREL, NJ 08054 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $730 | $0 | $730 | 3.99% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 226 | $5.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 555 | $300K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 396 | $5.3M |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 324 | $156K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE COMPANY | 618 | $173K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 226 | $5.3M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE INSURANCE COMPANY | 618 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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."
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.