| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | $0 | $72K | 3.80% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.31% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $93 | $93 | 0.09% |
| CHRISTIAN M TULLY3 Filed as: CHRISTIAN TULLY | 154 LAUREL ROAD EAST NORTHPORT, NY 11731 | AFLAC | $1K | $0 | $1K | 7.04% |
| SPHEREC GROUP LLC3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $931 | $0 | $931 | 6.22% |
| RICHARD PETERSON3 | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | AFLAC | $402 | $0 | $402 | 2.69% |
| MJ INSURANCE3 Filed as: GISEL MORILLO AND VARIOUS AGENTS | 5835 GRANGER STREET APARTMENT 4B CORONA, NY 11368 | AFLAC | $310 | $0 | $310 | 2.07% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA INC. | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $161 | $0 | $161 | 1.08% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $111 | $0 | $111 | 0.74% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $72 | $0 | $72 | 0.48% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $0 | $2K | $2K | 20.00% |
| ROSENNA CONSULTING3 | UNKNOWN NEW YORK, NY 10005 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| PATRICIA COOLEY3 | 22805 SOUTHEAST 271ST PLACE MAPLE VALLEY, WA 98038 | AFLAC | $69 | $0 | $69 | 3.58% |
| DANA L FREY3 Filed as: DANA FREY | 7127 HIDDEN VALLEY LANE SOUTH COTTAGE GROVE, MN 55016 | AFLAC | $48 | $0 | $48 | 2.49% |
| TODD BURKE3 | 1 SEAPORT PLAZA, 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $46 | $0 | $46 | 2.39% |
| CAROL D KAPSEN3 Filed as: CAROL KAPSEN | 6600 SCANDIA ROAD EDINA, MN 55439 | AFLAC | $26 | $0 | $26 | 1.35% |
| MJ INSURANCE3 Filed as: JEFFREY HANSEN AND VARIOUS AGENTS | 1895 52ND STREET SW PEQUOT LAKES, MN 56472 | AFLAC | $16 | $0 | $16 | 0.83% |
| WENDY RENARD3 | 24133 FAWN COURT NE STACY, MN 55079 | AFLAC | $13 | $0 | $13 | 0.68% |
| TREVOR NORENBERG3 | 4552 LAHINCH STREET RAPID CITY, SD 55702 | AFLAC | $12 | $0 | $12 | 0.62% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $1.9M |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 217 | $115K |
| Short-term disability(2 contracts) | AFLAC | 15 | $17K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 217 | $98K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $1.9M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 217 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.