| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $306K | — | $306K | 13.25% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $50 | $24K | 4.57% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $38K | $10K | $47K | 12.54% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $11K | $3K | $14K | 13.05% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES- MT. LAUREL, NJ | PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | $4K | — | $4K | 4.93% |
| BRADLEY J LOWRAN3 | AND VARIOUS AGENTS 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $1K | $70 | $1K | 2.90% |
| CHRISTOPHER J CHARLAND3 | 1004 LOCUST ST TRAVERSE CITY, MI 49684 | AFLAC | $1K | $121 | $1K | 2.88% |
| JENNIFER E LUBELSKY3 | 80 JOHN ST APT 11C NEW YORK, NY 10038 | AFLAC | $716 | $59 | $775 | 1.75% |
| DENNIS S HANSEN3 | 210 HAMPTON LN IDAHO FALLS, ID 83404 | AFLAC | $403 | — | $403 | 0.91% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS ST APT 1326 JERSEY CITY, NJ 07302 | AFLAC | $177 | — | $177 | 0.40% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $141 | — | $141 | 0.32% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LN WESTFILELD, IN 46062 | AFLAC | $111 | — | $111 | 0.25% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVE FL 20 NEW YORK, NY 10016 | AFLAC | $446 | — | $446 | 8.54% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER ELIA LUBELSKY | 80 JOHN ST APT 11C NEW YORK, NY 10038 | AFLAC | $304 | — | $304 | 5.82% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $99 | — | $99 | 1.89% |
| JASON SALLEMI3 | 302 MONROE ST APT 4B HOBOKEN, NJ 07030 | AFLAC | $68 | — | $68 | 1.30% |
| DENNIS FENNELL3 | 8 BELVOIR DR WASHINGTONVILLE, NY 10992 | AFLAC | $46 | — | $46 | 0.88% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $3 | — | $3 | 0.06% |
| MJ INSURANCE3 Filed as: DOUGLAS R MEIER AND VARIOUS AGENTS | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $2 | — | $2 | 0.04% |
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 | 686 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 130 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,337 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,149 | $517K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | 1,397 | $78K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 667 | $487K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 667 | $376K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 667 | $376K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,337 | $2.3M |
| Other(4 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 694 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,149 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.