| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $122K | — | $122K | 3.39% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 4.55% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 4.50% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $9K | — | $9K | 9.63% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 3.85% |
| 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 | 3.85% |
| MJ INSURANCE3 Filed as: MARTIN BERNARD AND VARIOUS AGENTS | 22 VALENTINE DR ALBERTSON, NY 11507 | AFLAC | $1K | $10 | $1K | 4.58% |
| ANTHONY LIBECCI3 | 4864 ARTHUR KILL RD STE 3 STATEN ISLAND, NY 10309 | AFLAC | $430 | $42 | $472 | 1.95% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $394 | — | $394 | 1.62% |
| MICHAEL KANE3 | 88 WHITSON RD HUNTINGTON STATION, NY 11746 | AFLAC | $340 | — | $340 | 1.40% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $229 | — | $229 | 0.94% |
| SPHEREC GROUP LLC3 | 388 BRIDGE ST APT 34G BROOKLYN, NY 11201 | AFLAC | $217 | — | $217 | 0.89% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $210 | — | $210 | 0.87% |
| 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 | $1K | — | $1K | 5.78% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 510 | $3.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $188K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | 408 | $21K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 313 | $96K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 121 | $65K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 313 | $96K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 313 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.
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.