| 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 | $255K | $4K | $259K | 18.22% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $65K | $0 | $65K | 4.58% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $42K | $3K | $45K | 16.01% |
| MJ INSURANCE3 Filed as: REID KLEINMAN AND VARIOUS AGENTS | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $3K | $1K | $4K | 6.88% |
| DENNIS S HANSEN3 Filed as: DENNIS S. HANSEN | 210 HAMPTON LANE IDAHO FALLS, ID 83404 | AFLAC | $2K | $220 | $3K | 4.21% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E. LUBELSKY | 80 JOHN STREET, SUITE 11C NEW YORK, NY 10038 | AFLAC | $2K | $243 | $2K | 3.64% |
| CHRISTOPHER J CHARLAND3 Filed as: CHRISTOPHER J. CHARLAND | 1004 LOCUST STREET TRAVERSE CITY, MI 49684 | AFLAC | $1K | $32 | $1K | 1.75% |
| FELICIA M. PEASE3 | 12158 COSTER ROAD SW FIFE LAKE, MI 49633 | AFLAC | $970 | $29 | $999 | 1.65% |
| RACHEL LOUISE JURIK3 | 3017 5 MILE ROAD TRAVERSE CITY, MI 49686 | AFLAC | $564 | $0 | $564 | 0.93% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIRCLE BOCA RATON, FL 33496 | AFLAC | $342 | $18 | $360 | 0.59% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | EYEMED | $2K | $0 | $2K | 3.65% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 PARK AVENUE, 24TH FLOOR NEW YORK, NY 10016 | AFLAC | $1K | $0 | $1K | 13.76% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER ELIA LUBELSKY | 80 JOHN STREET, SUITE 11C NEW YORK, NY 10038 | AFLAC | $592 | $9 | $601 | 8.03% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AFLAC | $222 | $2 | $224 | 2.99% |
| MJ INSURANCE3 Filed as: BRIAN WHITE AND VARIOUS AGENTS | 6 COWDIN LANE CHAPPAQUA, NY 10005 | AFLAC | $174 | $2 | $176 | 2.35% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $159 | $2 | $161 | 2.15% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $79 | $2 | $81 | 1.08% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $53 | $9 | $62 | 0.83% |
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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,167 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,167 | $1.4M |
| Vision | EYEMED | 1,156 | $44K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 480 | $279K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 480 | $279K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 480 | $279K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,167 | $1.4M |
| Other(4 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 504 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,167 | — |
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.