| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 20 CAMDEN, NJ 08103 | ANTHEM BLUE CROSS BLUE SHIELD | $20K | $0 | $20K | 0.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 01982 | ANTHEM BLUE CROSS BLUE SHIELD | $10K | $0 | $10K | 0.27% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RI | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 7.50% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $622 | $2K | $3K | 4.27% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $659 | $2K | $2K | 3.96% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 225 BROADHOLLOW ROAD SUITE 302 MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.41% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.41% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $539 | $539 | 3.51% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $164 | -$164 | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $164 | -$247 | -$83 | -0.54% |
| RSC INSURANCE BROKERAGE INC Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | -$165 | $0 | -$165 | -1.08% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | -$3K | $0 | -$3K | -16.49% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $226 | $226 | 3.44% |
| SELMAN & COMPANY, LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $69 | -$69 | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $69 | -$103 | -$34 | -0.52% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$83 | $0 | -$83 | -1.26% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$894 | $0 | -$894 | -13.60% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RI | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $605 | $0 | $605 | 33.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $28 | $62 | $90 | 5.02% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $9 | $52 | $61 | 3.40% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $109 | $0 | $109 | 7.53% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $15 | $50 | $65 | 4.49% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $16 | $41 | $57 | 3.94% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 157 | $3.6M |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 157 | $3.6M |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 0 | $7K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 0 | $15K |
| Other(6 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 233 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.