| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 200 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.29% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $28 | $28 | 0.06% |
| DANA L FREY3 | 7127 HIDDEN VALLEY LN S COTTAGE GROVE, MN 55016 | AFLAC | $0 | — | $0 | — |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 401 E 80TH ST APT 6J NEW YORK, NY 10075 | AFLAC | $0 | — | $0 | — |
| DALE COOLEY3 | 22805 SE 271ST PL MAPLE VALLEY, WA 98038 | AFLAC | $0 | — | $0 | — |
| CAROL D KAPSEN3 | 6600 SCANDIA RD EDINA, MN 55439 | AFLAC | $0 | — | $0 | — |
| WENDY RENARD3 Filed as: WENDY M RENARD | 24133 FAWN CT NE STACY, MN 55079 | AFLAC | $0 | — | $0 | — |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $0 | — | $0 | — |
| MJ INSURANCE3 Filed as: JEFFREY M HANSEN & VARIOUS AGENTS | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $0 | — | $0 | — |
| CHRISTIAN M TULLY3 | 154 LAUREL RD EAST NORTHPORT, NY 11731 | AFLAC | $0 | — | $0 | — |
| RICHARD PETERSON3 | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $0 | — | $0 | — |
| SPHEREC GROUP LLC3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $0 | — | $0 | — |
| WILFRED COGER3 | 230 PARK AVE RM 1000 NEW YORK, NY 10169 | AFLAC | $0 | — | $0 | — |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $0 | — | $0 | — |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $0 | — | $0 | — |
| KENNETH C MEIER CORP3 | AND VARIOUS AGENTS 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $0 | — | $0 | — |
| RASENNA CONSULTING, INC.3 | 40 MILL ROAD NEW LEBANON, NY 12125 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $0 | — | $0 | — |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $0 | — | $0 | — |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, STE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | — | $0 | — |
| 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 | $0 | — | $0 | — |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | — | $0 | — |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $0 |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $0 |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 142 | $46K |
| Short-term disability(2 contracts) | AFLAC | 0 | $0 |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 142 | $46K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 142 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.