| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - NY | 1 EXECUTIVE DRIVE SOMERSET, NJ 08873 | UNITEDHEALTHCARE INSURANCE COMPANY | $105 | — | $105 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | NORTHEAST 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | AND VARIOUS AGENTS 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $1K | — | $1K | 4.05% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LN HAVERTOWN, PA 19083 | AFLAC | $628 | — | $628 | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $482 | — | $482 | 1.64% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $383 | — | $383 | 1.30% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $288 | — | $288 | 0.98% |
| J G DENIVO CORP3 | 24 CORDELL PL EAST NORTHPORT, NY 11731 | AFLAC | $250 | — | $250 | 0.85% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $205 | — | $205 | 0.70% |
| JASON G DENIVO3 | 24 CORDELL PL EAST NORTHPORT, NY 11731 | AFLAC | $576 | — | $576 | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISON AVE FL 7 NEW YORK, NY 10017 | AFLAC | $385 | — | $385 | 2.53% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $171 | — | $171 | 1.12% |
| BRIEN C SABELLA3 | 116 COOK RD PROSPECT, CT 06712 | AFLAC | $156 | — | $156 | 1.03% |
| MJ INSURANCE3 Filed as: PAUL S MANNA JR AND VARIOUS AGENTS | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $111 | — | $111 | 0.73% |
| DOUGLAS JOSEPH CUMMINGS3 Filed as: DOUGLAS J CUMMINGS | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $54 | — | $54 | 0.35% |
| JAMES S BURNS3 | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $31 | — | $31 | 0.20% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $382 | — | $382 | 3.85% |
| MJ INSURANCE3 Filed as: J G DENIVO CORP AND VARIOUS AGENTS | 24 CORDELL PL EAST NORTHPORT, NY 11731 | AFLAC | $258 | — | $258 | 2.60% |
| PAUL S MANNA JR3 | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $130 | — | $130 | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $118 | — | $118 | 1.19% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $56 | — | $56 | 0.56% |
| ROCO SOLUTIONS LLC3 | 100 STONY BROOK CT #2 NEWBURGH, NY 12550 | AFLAC | $44 | — | $44 | 0.44% |
| KOBER ASSOCIATES LLC3 | 52-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $44 | — | $44 | 0.44% |
| 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 | $296 | $206 | $502 | 7.89% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $271 | $271 | 4.26% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 402 | $3.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 402 | $3.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 402 | $3.3M |
| Life insurance(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 198 | $105K |
| Short-term disability(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 198 | $131K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 198 | $76K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 402 | $3.3M |
| Other(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 198 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.