| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $287K | $4K | $291K | 22.98% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $27K | $0 | $27K | 15.00% |
| MJ INSURANCE3 Filed as: RICHARD WHELAN AND VARIOUS AGENTS | 3507 NW CLUBSIDE CIRCLE BOCA RATON, FL 33496 | AFLAC | $4K | $2K | $6K | 9.42% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E. LUBELSKY | 80 JOHN STREET, UNIT 11C NEW YORK, NY 10038 | AFLAC | $2K | $241 | $2K | 3.73% |
| DENNIS S HANSEN3 Filed as: DENNIS S. HANSEN | 210 HAMPTON LANE IDAHO FALLS, ID 83404 | AFLAC | $2K | $10 | $2K | 3.33% |
| REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $2K | $249 | $2K | 3.24% |
| ANDREW THOMAS CABRERA3 | 115 DUDLEY STREET, UNIT 1231 JERSEY CITY, NJ 07302 | AFLAC | $1K | $676 | $2K | 2.96% |
| BENJAMIN HUNTER3 | 11193 GUY STREET FISHERS, IN 10021 | AFLAC | $2K | $0 | $2K | 2.96% |
| MATTHEW EDWARDS3 | 356 WEST HALE STREET, UNIT 101 BOISE, ID 83706 | AFLAC | $2K | $0 | $2K | 2.68% |
| MJ INSURANCE3 Filed as: BRIAN WHITE AND VARIOUS AGENTS | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $189 | $7 | $196 | 5.21% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 PARK AVENUE, 24TH FLOOR NEW YORK, NY 10016 | AFLAC | $179 | $0 | $179 | 4.76% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $77 | $17 | $94 | 2.50% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER ELIA LUBELSKY | 80 JOHN STREET, UNIT 11C NEW YORK, NY 10038 | AFLAC | $73 | $17 | $90 | 2.39% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $76 | $3 | $79 | 2.10% |
| S BEIN INC3 Filed as: S. BEIN INC. | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $32 | $3 | $35 | 0.93% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANGEMENT | PO BOX 8419 PELHAM, NY 10803 | AFLAC | $25 | $0 | $25 | 0.66% |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,036 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,036 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,036 | $1.3M |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 442 | $180K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 442 | $180K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 442 | $180K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,036 | $1.3M |
| Other(4 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 442 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,036 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.