| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $80K | — | $80K | 3.87% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 3.84% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | LLC ALERA GROUP INC 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 3.84% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $2K | $7K | 12.72% |
| MJ INSURANCE3 Filed as: MARTIN BERNARD AND VARIOUS AGENTS | 22 VALENTINE DR ALBERTSON, NY 11507 | AFLAC | $1K | $17 | $1K | 5.98% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 4864 ARTHUR KILL RD STE 3 STATEN ISLAND, NY 10309 | AFLAC | $545 | $17 | $562 | 2.45% |
| CHRISTINE MEGAN VITTORIA3 | 249 BROAD ST APT 409 MATAWAN, NJ 07747 | AFLAC | $462 | $49 | $511 | 2.23% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $401 | — | $401 | 1.75% |
| MICHAEL KANE3 | 88 WHITSON RD HUNTINGTON STATION, NY 11746 | AFLAC | $342 | — | $342 | 1.49% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $229 | — | $229 | 1.00% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $213 | — | $213 | 0.93% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | NEW YORK, NY PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | $670 | — | $670 | 4.84% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 443 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $144K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | 312 | $14K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 219 | $52K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 134 | $70K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 219 | $52K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 219 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.