| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 4.97% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THER FERRY TERMINAL BLDG. 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | CIGNA | $9K | $2K | $11K | 11.19% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 4.82% |
| THE D B L CENTER LTD3 Filed as: D B L CENTER LTD | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 4.82% |
| ANTHONY ORGERA3 Filed as: ANTHONY R ORGERA INC AND VARIOUS | AGENTS 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $2K | — | $2K | 6.77% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 205 OLD TOWN RD STATEN ISLAND, NY 10305 | AFLAC | $491 | — | $491 | 1.89% |
| MICHAEL KANE3 | 88 WHITSON RD HUNTINGTON STATION, NY 11746 | AFLAC | $342 | — | $342 | 1.32% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $250 | — | $250 | 0.96% |
| SPHEREC GROUP LLC3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $235 | — | $235 | 0.91% |
| MARTIN BERNARD3 | 22 VALENTINE DR ALBERTSON, NY 11507 | AFLAC | $226 | — | $226 | 0.87% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C ATTN AFLAC NEW YORK, NY 10005 | AFLAC | $221 | — | $221 | 0.85% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 251 | $195K |
| Life insurance | CIGNA | 311 | $98K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 163 | $57K |
| Long-term disability | CIGNA | 311 | $98K |
| Other(2 contracts, 2 carriers) | CIGNA | 311 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.