| 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 | $47K | — | $47K | 6.32% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 61 SOUTH PARAMUS ROAD, 4TH FLOOR PARAMUS, NJ 07652 | AETNA LIFE INSURANCE COMPANY | — | $59 | $59 | 0.01% |
| 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 | $15K | $1K | $16K | 13.13% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 PARKWAY AVENUE, 24TH FLOOR NEW YORK, NY 10016 | AFLAC | $1K | — | $1K | 19.14% |
| MICHELLE EASTON3 | 168 ELMWOOD STREET VALLEY STREAM, NY 11581 | AFLAC | $802 | — | $802 | 10.26% |
| MEREDITH VILLANO3 | 39 DUNCAN AVENUE, SUITE 6A JERSEY CITY, NJ 07304 | AFLAC | $217 | — | $217 | 2.78% |
| ALLAN H. MARKOWITZ3 | 17 LINDSAY PLACE HOLBROOK, NY 11741 | AFLAC | $207 | — | $207 | 2.65% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015 WEST HOLBROOK, NY 11741 | AFLAC | $197 | — | $197 | 2.52% |
| MJ INSURANCE3 Filed as: MARITZA SANTIAGO AND VARIOUS AGENTS | 1330 KEARNEY AVENUE, 2ND FLOOR BRONX, NY 10465 | AFLAC | $147 | — | $147 | 1.88% |
| PARTRICK C. HARDIE3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $56 | — | $56 | 0.72% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 212 | $807K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $123K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $123K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $123K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $123K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $123K |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE COMPANY | 212 | $807K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.