| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | — | $67K | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - NY | 1 EXECUTIVE DRIVE SOMERSET, NJ 08873 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 1.23% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 1540 CORNERSTONE BLVD DAYTONA BEACH, FL 32117 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | NORTHEAST 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $7K | $3K | $10K | 7.09% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $7K | $7K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | ATTN ACCOUNT RECEIVABLE 5000 DEARBORN CIR STE 100 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 2.73% |
| MJ INSURANCE3 Filed as: RICHARD PETERSON AND VARIOUS AGENTS | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $2K | $338 | $2K | 7.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $897 | — | $897 | 2.95% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LN HAVERTOWN, PA 19083 | AFLAC | $709 | — | $709 | 2.33% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $633 | — | $633 | 2.08% |
| J G DENIVO CORP3 | 14107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $382 | $208 | $590 | 1.94% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $256 | — | $256 | 0.84% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $227 | — | $227 | 0.75% |
| JASON G DENIVO3 | 14107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $461 | $117 | $578 | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISON AVE FL 7 NEW YORK, NY 10017 | AFLAC | $492 | — | $492 | 2.67% |
| JASON G DENIVO3 | 24 CORDELL PL EAST NORTHPORT, NY 11731 | AFLAC | $319 | — | $319 | 1.73% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $221 | $20 | $241 | 1.31% |
| MJ INSURANCE3 Filed as: JAMES S BURNS AND VARIOUS AGENTS | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $199 | — | $199 | 1.08% |
| BRIEN C SABELLA3 | 116 COOK RD PROSPECT, CT 06712 | AFLAC | $183 | — | $183 | 0.99% |
| DOUGLAS JOSEPH CUMMINGS3 Filed as: DOUGLAS J CUMMINGS | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $66 | — | $66 | 0.36% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $232 | — | $232 | 6.45% |
| PAUL S MANNA JR3 | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $114 | — | $114 | 3.17% |
| MJ INSURANCE3 Filed as: KEVIN MCCARTHY & VARIOUS AGENTS | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $44 | — | $44 | 1.22% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $39 | — | $39 | 1.08% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $20 | — | $20 | 0.56% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $19 | — | $19 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $14 | — | $14 | 0.39% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $3.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $3.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 198 | $168K |
| Short-term disability(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 198 | $190K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 198 | $137K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $3.1M |
| Other(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 198 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.