| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $117K | $25K | $142K | 8.57% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $45K | — | $45K | 2.71% |
| 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 | $42K | $5K | $48K | 16.87% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | MT. LAUREL, NJ PO BOX 654118 DALLAS, TX 75265 | EYEMED | $3K | — | $3K | 4.55% |
| MJ INSURANCE3 Filed as: RICHARD WHELAN AND VARIOUS AGENTS | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $2K | $215 | $3K | 4.23% |
| CHRISTOPHER J CHARLAND3 | 1004 LOCUST ST TRAVERSE CITY, MI 49684 | AFLAC | $2K | $143 | $2K | 2.85% |
| JENNIFER E LUBELSKY3 | 80 JOHN ST APT 11C NEW YORK, NY 10038 | AFLAC | $1K | $174 | $2K | 2.48% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $1K | — | $1K | 2.19% |
| DENNIS S HANSEN3 | 210 HAMPTON LN IDAHO FALLS, ID 83404 | AFLAC | $742 | $131 | $873 | 1.37% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $372 | $48 | $420 | 0.66% |
| ANDREW THOMAS CABRERA3 | 115 DUDLEY STREET APT 1231 JERSEY CITY, NJ 07302 | AFLAC | $343 | — | $343 | 0.54% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $878 | — | $878 | 13.15% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER ELIA LUBELSKY | 80 JOHN ST APT 11C NEW YORK, NY 10038 | AFLAC | $506 | $84 | $590 | 8.84% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $189 | $17 | $206 | 3.09% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $144 | $17 | $161 | 2.41% |
| MJ INSURANCE3 Filed as: S BEIN INC AND VARIOUS AGENTS | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $56 | — | $56 | 0.84% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $25 | — | $25 | 0.37% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $24 | — | $24 | 0.36% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,180 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,180 | $1.7M |
| Vision | EYEMED | 1,168 | $65K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 451 | $282K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 451 | $282K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 451 | $282K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,180 | $1.7M |
| Other(4 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 529 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,180 | — |
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.