| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $72K | $6K | $78K | 4.35% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 200 EAST PARK DRIVE, SUITE 600 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | — | $59 | $59 | 0.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | HARTFORD LIFE AND ACCIDENT | $5K | $3K | $8K | 15.65% |
| CHRISTIAN M TULLY3 Filed as: CHRISTIAN TULLY | 1062 5TH AVNUE EAST NORTHPORT, NY 11731 | AFLAC | $1K | $116 | $1K | 6.91% |
| GISEL MORILLO3 | 5835 GRANGER STREET APARTMENT 4B CORONA, NY 11368 | AFLAC | $720 | — | $720 | 4.20% |
| RICHARD PETERSON3 | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | AFLAC | $455 | $25 | $480 | 2.80% |
| ANTHONY ORGERA3 Filed as: ANTHONY R. ORGERA AND VAROUS AGENTS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $314 | $16 | $330 | 1.93% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $159 | — | $159 | 0.93% |
| JOHN TULLY3 | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | AFLAC | $93 | — | $93 | 0.54% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $93 | — | $93 | 0.54% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER AND ASSOCIATES, INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $1K | $1K | 20.00% |
| ROSENNA CONSULTING3 | UNKNOWN NEW YORK, NY 10005 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| DALE COOLEY3 | 22805 SE 271ST PLACE MAPLE VALLEY, WA 98038 | AFLAC | $64 | — | $64 | 3.57% |
| DANA L FREY3 Filed as: DANA FREY | 7127 HIDDEN VALLEY LANE SOUTH COTTAGE GROVE, MN 55016 | AFLAC | $45 | — | $45 | 2.51% |
| TODD BURKE3 | 1 SEAPORT PLAZA, 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $43 | — | $43 | 2.40% |
| CAROL D KAPSEN3 Filed as: CAROL KAPSEN | 6600 SCANDIA ROAD EDINA, MN 55439 | AFLAC | $24 | — | $24 | 1.34% |
| MJ INSURANCE3 Filed as: JEFFREY HANSEN AND VARIOUS AGENTS | 1895 52ND STREET SW PEQUOT LAKES, MN 56472 | AFLAC | $12 | — | $12 | 0.67% |
| WENDY RENARD3 | 24133 FAWN COURT NE STACY, MN 55079 | AFLAC | $12 | — | $12 | 0.67% |
| TEVOR NORENBERG3 | 6529 SAHALEE COURT RAPID CITY, SD 57702 | AFLAC | $11 | — | $11 | 0.61% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 474 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 474 | $1.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 212 | $51K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 212 | $51K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 474 | $1.8M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 212 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.
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.