| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $174K | $187K | 2.79% |
| FOUNDATION RISK PARTNERS CORP3 | 1212 AVE OF THE AMERICAS 9TH FLOOR - STE 900 NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $5K | $5K | 0.08% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $6K | $11K | 10.30% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | — | $5K | $5K | 5.56% |
| BEAULIEU BENEFITS INC3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $6K | $209 | $6K | 7.72% |
| SIMONE HIRSCH3 | 1167 HILLSBORO MILE APT 403 HILLSBORO BEACH, FL 33062 | AFLAC | $5K | $90 | $5K | 6.15% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $1K | $59 | $1K | 1.69% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PL BROOKLYN, NY 11215 | AFLAC | $1K | $59 | $1K | 1.67% |
| KENNETH C MEIER CORP3 | AND VARIOUS AGENTS 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $874 | — | $874 | 1.08% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY M DAY | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $484 | — | $484 | 0.60% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $370 | — | $370 | 0.46% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 270 | $6.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 270 | $6.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 270 | $6.7M |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 298 | $198K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 298 | $111K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 298 | $6.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.