| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | $147K | $163K | 3.94% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.11% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $5K | $291 | $5K | 8.06% |
| KIRSTEN E WALSH3 | 168 RUSSELL ST APT 1R BROOKLYN, NY 11222 | AFLAC | $4K | $383 | $4K | 6.43% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $1K | $124 | $1K | 2.34% |
| KENNETH C MEIER CORP3 | AND VARIOUS AGENTS 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $918 | $19 | $937 | 1.47% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $326 | — | $326 | 0.51% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $237 | — | $237 | 0.37% |
| PROFILE COMMERCIAL CORPORATION3 | 320 S SERVICE RD MELVILLE, NY 11747 | AFLAC | $177 | — | $177 | 0.28% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $7K | — | $7K | 10.87% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 13.47% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $842 | $86 | $928 | 7.22% |
| KIRSTEN E WALSH3 | 168 RUSSELL ST APT 1R BROOKLYN, NY 11222 | AFLAC | $363 | $61 | $424 | 3.30% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $211 | $25 | $236 | 1.84% |
| PROFILE COMMERCIAL CORPORATION3 | AND VARIOUS AGENTS 320 S SERVICE RD MELVILLE, NY 11747 | AFLAC | $68 | — | $68 | 0.53% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $52 | — | $52 | 0.40% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $47 | — | $47 | 0.37% |
| EDWIN O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $39 | — | $39 | 0.30% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $916 | $81 | $997 | 8.11% |
| KIRSTEN E WALSH3 | 168 RUSSELL ST APT 1R BROOKLYN, NY 11222 | AFLAC | $652 | $47 | $699 | 5.69% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $253 | $27 | $280 | 2.28% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $58 | — | $58 | 0.47% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $40 | — | $40 | 0.33% |
| EDWIN O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $29 | — | $29 | 0.24% |
| KENNETH C MEIER CORP3 | AND VARIOUS AGENTS 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $11 | — | $11 | 0.09% |
| KENNETH C MEIER CORP3 | AND VARIOUS AGENTS 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $193 | — | $193 | 2.19% |
| KIRSTEN E WALSH3 | 168 RUSSELL ST APT 1R BROOKLYN, NY 11222 | AFLAC | $179 | — | $179 | 2.03% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $135 | — | $135 | 1.53% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $132 | — | $132 | 1.49% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $120 | — | $120 | 1.36% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $97 | — | $97 | 1.10% |
| EDWIN O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $73 | — | $73 | 0.83% |
| CHRISTINE M WALSH3 | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $981 | $123 | $1K | 17.21% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN ELIZABET WALSH | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $587 | $93 | $680 | 10.60% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $201 | $36 | $237 | 3.69% |
| CHRISTINE M WALSH3 | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $618 | $39 | $657 | 19.54% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN ELIZABET WALSH | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $269 | $26 | $295 | 8.77% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $109 | $11 | $120 | 3.57% |
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 | 669 | 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) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 429 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 429 | $4.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 429 | $4.1M |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 669 | $193K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 669 | $150K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 669 | $150K |
| Other(9 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 669 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.