| 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 | — | $60K | $60K | 3.83% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 6.19% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.64% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $70 | $70 | 0.14% |
| CHRISTIAN M TULLY3 | 154 LAUREL RD EAST NORTHPORT, NY 11731 | AFLAC | $619 | $24 | $643 | 4.93% |
| SPHEREC GROUP LLC3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $591 | $35 | $626 | 4.80% |
| WILFRED COGER3 | 230 PARK AVE RM 1000 NEW YORK, NY 10169 | AFLAC | $434 | — | $434 | 3.33% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $335 | $4 | $339 | 2.60% |
| JACQUES P DAVID CORPORATION3 | AND VARIOUS AGENTS 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $313 | — | $313 | 2.40% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $155 | $6 | $161 | 1.23% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE STE 312 GARDEN CITY, NY 11530 | AFLAC | $61 | — | $61 | 0.47% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $2K | $2K | 20.00% |
| RASENNA CONSULTING, INC.3 | 40 MILL ROAD NEW LEBANON, NY 12125 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| DALE COOLEY3 | 22805 SE 271ST PL MAPLE VALLEY, WA 98038 | AFLAC | $56 | — | $56 | 3.65% |
| DANA L FREY3 | 7127 HIDDEN VALLEY LN S COTTAGE GROVE, MN 55016 | AFLAC | $38 | — | $38 | 2.48% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 401 E 80TH ST APT 6J NEW YORK, NY 10075 | AFLAC | $36 | — | $36 | 2.35% |
| CAROL D KAPSEN3 | 6600 SCANDIA RD EDINA, MN 55439 | AFLAC | $20 | — | $20 | 1.30% |
| MJ INSURANCE3 Filed as: JEFFREY M HANSEN & VARIOUS AGENTS | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $12 | — | $12 | 0.78% |
| WENDY RENARD3 Filed as: WENDY M RENARD | 24133 FAWN CT NE STACY, MN 55079 | AFLAC | $10 | — | $10 | 0.65% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $10 | — | $10 | 0.65% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 142 | $109K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 142 | $109K |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $63K |
| Short-term disability(2 contracts) | AFLAC | 14 | $15K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $49K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.