| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 4.14% |
| GIANA M COURT3 | 108 FLAGLER AVE EDGEWATER, FL 32132 | AFLAC | $2K | $142 | $2K | 7.34% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $1K | — | $1K | 4.93% |
| DIGITAL INSURANCE LLC3 | AND VARIOUS AGENTS 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $951 | $124 | $1K | 4.36% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DR MANHASSET, NY 11030 | AFLAC | $921 | $50 | $971 | 3.94% |
| SHAUN T KONIOR3 | 100 NW 62ND STREET SUITE 1020 FT. LAUDERDALE, FL 33309 | AFLAC | $262 | $50 | $312 | 1.26% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LN HAVERTOWN, PA 19083 | AFLAC | $303 | — | $303 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $206 | — | $206 | 0.83% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $599 | — | $599 | 5.57% |
| GIANA M COURT3 | 108 FLAGLER AVE EDGEWATER, FL 32132 | AFLAC | $234 | $224 | $458 | 4.26% |
| MERIDA CARLO CORP3 | 2105 30TH DR APT 4H ASTORIA, NY 11102 | AFLAC | $136 | $195 | $331 | 3.08% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DR MANHASSET, NY 11030 | AFLAC | $202 | $82 | $284 | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AND VARIOUS OTHER | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $252 | — | $252 | 2.34% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $154 | — | $154 | 1.43% |
| SHAUN T KONIOR3 | 100 NW 62ND ST STE 1020 FT LAUDERDALE, FL 33309 | AFLAC | $65 | $82 | $147 | 1.37% |
| JASON G DENIVO3 | 24 CORDELL PL EAST NORTHPORT, NY 11731 | AFLAC | $55 | — | $55 | 2.71% |
| BRIEN C SABELLA3 | 116 COOK RD PROSPECT, CT 06712 | AFLAC | $54 | — | $54 | 2.66% |
| THE HORTON GROUP3 Filed as: ALEX HORTON AND VARIOUS AGENTS | 4 ARMSTRONG RD SHELTON, CT 06484 | AFLAC | $27 | — | $27 | 1.33% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $14 | — | $14 | 0.69% |
| JAMES S BURNS3 | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $11 | — | $11 | 0.54% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 202 | $102K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 383 | $8K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 221 | $91K |
| Short-term disability(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 221 | $103K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 221 | $66K |
| Other(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 226 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.