| 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 | $4K | $64K | $68K | 4.33% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES, | 1212 AVE OF AMERICA 9TH FLOOR NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 0.12% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $8K | $4K | $12K | 16.52% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| MICHAEL BURACK3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $396 | $130 | $526 | 7.23% |
| ROBERT BEEGEL3 | 146 BAYVIEW AVE NORTHPORT, NY 11768 | AFLAC | $413 | — | $413 | 5.67% |
| MICHAEL CAPALDO3 Filed as: MICHAEL P CAPALDO | 317 AVALON PINES DR CORAM, NY 11727 | AFLAC | $346 | — | $346 | 4.75% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $187 | $22 | $209 | 2.87% |
| SEAN FX GLEASON LLC3 Filed as: SEAN FX GLEASON LLC & VARIOUS | AGENTS 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $63 | $5 | $68 | 0.93% |
| RICHARD CRESCENZO3 Filed as: RICHARD A BURACK | 10 ANNANDALE RD STONY BROOK, NY 11790 | AFLAC | $33 | — | $33 | 0.45% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $24 | — | $24 | 0.33% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 100 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 100 | $1.6M |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 104 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 135 | $72K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 135 | $72K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 135 | $72K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 135 | $79K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.