| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & COMPANY | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11156 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $38K | $0 | $38K | 2.53% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & COMPANY, LLC | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | $635 | $7K | 6.82% |
| 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 | $3K | $0 | $3K | 2.69% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $179 | $179 | 0.18% |
| MICHAEL BURACK3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $1K | $145 | $1K | 7.12% |
| MICHAEL CAPALDO3 Filed as: MICHAEL P. CAPALDO | 317 AVALON PINES DRIVE CORAM, NY 11727 | AFLAC | $915 | $0 | $915 | 5.36% |
| J DAVID AND ASSOCIATES INC3 Filed as: DAVID P. JACQUES CORPORATION | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $380 | $44 | $424 | 2.48% |
| RICHARD CRESCENZO3 Filed as: RICHARD A. BURACK AND VARIOUS | 10 ANNANDALE ROAD STONY BROOK, NY 11790 | AFLAC | $263 | $0 | $263 | 1.54% |
| JEFFREY A. KIESNOSKI3 | 417 EAST MAIN STREET PORT JEFFERSON, NY 11777 | AFLAC | $197 | $41 | $238 | 1.39% |
| DEBORAH BURACK3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $126 | $77 | $203 | 1.19% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND AND COMPANY, LLC | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | SHELTERPOINT LIFE INSURANCE COMPANY | $932 | $0 | $932 | 5.98% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | SHELTERPOINT LIFE INSURANCE COMPANY | $932 | $0 | $932 | 5.98% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 109 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 109 | $1.5M |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 115 | $16K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 141 | $100K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 141 | $100K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 141 | $100K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 109 | $1.5M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 141 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
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.