| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | OXFORD HEALTH INSURANCE, INC. | $54K | — | $54K | 2.22% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS, INC. | 34 EAST INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | OXFORD HEALTH INSURANCE, INC. | $44K | — | $44K | 1.81% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: COPORATE SYNERGIES GROUP LLC | PERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $8K | $21K | 8.20% |
| MDG ASSOCIATES OF CONNECTICUT3 Filed as: MDG BENEFIT SOLUTIONS LLC | 34 EAST INDUSTRIAL ROAD, SUITE 5 BRANFORD, CT 06405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 7.02% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | 2 PARK AVENUE, FLOOR 20 NEW YORK, NY 10016 | AFLAC | $50 | — | $50 | 3.13% |
| MICHELLE EASTON3 | 168 ELMWOOD STREET VALLEY STREAM, NY 11581 | AFLAC | $34 | — | $34 | 2.13% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN H MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $26 | — | $26 | 1.63% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $19 | — | $19 | 1.19% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 359 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $255K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $255K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $255K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $257K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.