| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $66K | $0 | $66K | 4.33% |
| 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 | $3K | $155 | $3K | 15.05% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.98% |
| MICHAEL BURACK3 | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $1K | $3 | $1K | 9.16% |
| MICHAEL CAPALDO3 | 317 AVALON PINES DRIVE CORAM, NY 11727 | AFLAC | $715 | $0 | $715 | 5.09% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $344 | $2 | $346 | 2.46% |
| MJ INSURANCE3 Filed as: SEAN GLEASON LLC AND VARIOUS AGENTS | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $95 | $0 | $95 | 0.68% |
| RICHARD CRESCENZO3 Filed as: RICHARD BURACK | 10 ANNANDALE ROAD STONY BROOK, NY 11790 | AFLAC | $85 | $0 | $85 | 0.61% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $62 | $0 | $62 | 0.44% |
| ANTHONY CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $56 | $0 | $56 | 0.40% |
| 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 | $1K | $541 | $2K | 15.09% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 102 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 102 | $1.5M |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 107 | $16K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 135 | $13K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 135 | $13K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 135 | $18K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 102 | $1.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 135 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.