| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - NEW YORK | METRO 1212 AVENUE OF THE AMERICAS FL 9 NEW YORK, NY 100361624 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 3.95% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 5.82% |
| FOUNDATION RISK PARTNERS CORP3 | 1212 AVE OF THE AMERICAS 9TH FLOOR - STE 900 NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $361 | $361 | 0.49% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 200 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.79% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $26 | $26 | 0.06% |
| CHRISTIAN M TULLY3 | 154 LAUREL RD EAST NORTHPORT, NY 11731 | AFLAC | $418 | $31 | $449 | 3.65% |
| KENNETH C MEIER CORP3 | AND VARIOUS AGENTS 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $394 | $17 | $411 | 3.34% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $258 | $7 | $265 | 2.15% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PL BROOKLYN, NY 11215 | AFLAC | $153 | $36 | $189 | 1.54% |
| SHERRY RAPPAPORT3 | 4761 SABRE LN MANLIUS, NY 13104 | AFLAC | $140 | $48 | $188 | 1.53% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $72 | — | $72 | 0.58% |
| CB PLANS3 Filed as: CB PLANS, INC. | 28 WEST RAILROAD AVE JAMESBURG, NJ 08831 | AFLAC | $65 | — | $65 | 0.53% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $613 | $2K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | FIRST UNUM LIFE INSURANCE COMPANY | — | $319 | $319 | 2.60% |
| CHRISTIAN M TULLY3 | 154 LAUREL RD EAST NORTHPORT, NY 11731 | AFLAC | $585 | — | $585 | 10.76% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PL BROOKLYN, NY 11215 | AFLAC | $248 | — | $248 | 4.56% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $73 | — | $73 | 1.34% |
| MJ INSURANCE3 Filed as: TODD J BURKE AND VARIOUS AGENTS | 23 W MEADOW RD SETAUKET, NY 11733 | AFLAC | $63 | — | $63 | 1.16% |
| DALE COOLEY3 | 22805 SE 271ST PL MAPLE VALLEY, WA 98038 | AFLAC | $56 | — | $56 | 1.03% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $42 | — | $42 | 0.77% |
| DANA L FREY3 | 7127 HIDDEN VALLEY LN S COTTAGE GROVE, MN 55016 | AFLAC | $25 | — | $25 | 0.46% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 140512212 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $69 | — | $69 | 4.22% |
| CORPORATE SYNERGIES GROUP LLC4 Filed as: CORPORATE SYNERGIES GROUP | STE 100 5000 DEARBORN CIR MOUNT LAUREL, NJ 080544108 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $59 | — | $59 | 3.61% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 87 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 89 | $73K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 89 | $73K |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 126 | $59K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 68 | $30K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 126 | $41K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 126 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
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.