| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $39K | $15 | $39K | 3.02% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.65% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $476 | — | $476 | 5.54% |
| KIRSTEN E WALSH3 | 168 RUSSELL ST APT 1R BROOKLYN, NY 11222 | AFLAC | $177 | — | $177 | 2.06% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $139 | — | $139 | 1.62% |
| EDWIN O'CONNOR3 Filed as: EDWIN O'CONNOR AND | VARIOUS AGENTS PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $122 | — | $122 | 1.42% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $64 | — | $64 | 0.74% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $41 | — | $41 | 0.48% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $24 | — | $24 | 0.28% |
| KIRSTEN E WALSH3 | 168 RUSSELL ST APT 1R BROOKLYN, NY 11222 | AFLAC | $128 | — | $128 | 2.41% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $112 | — | $112 | 2.10% |
| PROFILE COMMERCIAL CORPORATION3 | AND VARIOUS AGENTS 320 S SERVICE RD MELVILLE, NY 11747 | AFLAC | $91 | — | $91 | 1.71% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $67 | — | $67 | 1.26% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $59 | — | $59 | 1.11% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $43 | — | $43 | 0.81% |
| EDWIN O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $32 | — | $32 | 0.60% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $272 | — | $272 | 6.57% |
| KIRSTEN E WALSH3 | 168 RUSSELL ST APT 1R BROOKLYN, NY 11222 | AFLAC | $91 | — | $91 | 2.20% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $67 | — | $67 | 1.62% |
| PROFILE COMMERCIAL CORPORATION3 | AND VARIOUS AGENTS 320 S SERVICE RD MELVILLE, NY 11747 | AFLAC | $26 | — | $26 | 0.63% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $17 | — | $17 | 0.41% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN, NY 11530 | AFLAC | $15 | — | $15 | 0.36% |
| EDWIN O'CONNOR3 | PO BOX 166 MASSAPEQUA, NY 11758 | AFLAC | $14 | — | $14 | 0.34% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $231 | — | $231 | 8.30% |
| KIRSTEN E WALSH3 | 168 RUSSELL ST APT 1R BROOKLYN, NY 11222 | AFLAC | $106 | — | $106 | 3.81% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $55 | — | $55 | 1.98% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $16 | — | $16 | 0.58% |
| CHRISTINE M WALSH3 | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $90 | — | $90 | 6.83% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN ELIZABET WALSH | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $33 | — | $33 | 2.50% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $21 | — | $21 | 1.59% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN ELIZABET WALSH | 168 RUSSELL ST APT 1R BROOKLYN, NY 11222 | AFLAC | $5 | — | $5 | 0.38% |
| CHRISTINE M WALSH3 | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $38 | — | $38 | 4.49% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN ELIZABET WALSH | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $12 | — | $12 | 1.42% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $9 | — | $9 | 1.06% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN ELIZABET WALSH | 168 RUSSELL ST APT 1R BROOKLYN, NY 11222 | AFLAC | $6 | — | $6 | 0.71% |
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 | 854 | 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) | 854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 825 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 825 | $1.3M |
| Vision | AETNA LIFE INSURANCE CO. | 825 | $1.3M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 846 | $103K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 846 | $103K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 846 | $103K |
| Other(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 846 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 846 | — |
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.