| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $123 | — | $123 | 0.00% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| MJ INSURANCE3 Filed as: JASON G DENIVO AND VARIOUS AGENTS | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $1K | — | $1K | 4.03% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LN HAVERTOWN, PA 19083 | AFLAC | $621 | — | $621 | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $412 | — | $412 | 1.51% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $361 | — | $361 | 1.32% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $285 | — | $285 | 1.04% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $204 | — | $204 | 0.75% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $170 | — | $170 | 0.62% |
| JASON G DENIVO3 | 24 CORDELL PL EAST NORTHPORT, NY 11731 | AFLAC | $619 | — | $619 | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $409 | — | $409 | 2.45% |
| BRIEN C SABELLA3 | 116 COOK RD PROSPECT, CT 06712 | AFLAC | $184 | — | $184 | 1.10% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $183 | — | $183 | 1.10% |
| MJ INSURANCE3 Filed as: PAUL S MANNA JR AND VARIOUS AGENTS | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $131 | — | $131 | 0.79% |
| DOUGLAS JOSEPH CUMMINGS3 Filed as: DOUGLAS J CUMMINGS | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $64 | — | $64 | 0.38% |
| JAMES S BURNS3 | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $37 | — | $37 | 0.22% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $422 | — | $422 | 4.01% |
| MJ INSURANCE3 Filed as: JASON G DENIVO AND VARIOUS AGENTS | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $267 | — | $267 | 2.54% |
| PAUL S MANNA JR3 | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $146 | — | $146 | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $128 | — | $128 | 1.22% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $61 | — | $61 | 0.58% |
| KOBER ASSOCIATES LLC3 | 52-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $49 | — | $49 | 0.47% |
| ROCO SOLUTIONS LLC3 | 704 SEAGATE DR TAMPA, FL 33602 | AFLAC | $43 | — | $43 | 0.41% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 417 | $3.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 417 | $3.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 417 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 217 | $148K |
| Short-term disability(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 217 | $175K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 217 | $120K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 417 | $3.2M |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 217 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.