| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $167K | $97 | $167K | 2.88% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | $2K | $52K | 10.88% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $2K | $77 | $2K | 5.93% |
| KIRSTEN E WALSH3 | 112 NORWOOD AVE NORTHPORT, NY 11768 | AFLAC | $826 | — | $826 | 1.99% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $668 | $18 | $686 | 1.66% |
| EDWIN O'CONNOR3 Filed as: EDWIN O'CONNOR AND | VARIOUS AGENTS 22 FAIRVIEW RD W MASSAPEQUA, NY 11758 | AFLAC | $536 | — | $536 | 1.29% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $203 | — | $203 | 0.49% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $194 | — | $194 | 0.47% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $107 | — | $107 | 0.26% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $413 | — | $413 | 2.55% |
| KIRSTEN E WALSH3 | 112 NORWOOD AVE NORTHPORT, NY 11768 | AFLAC | $383 | — | $383 | 2.37% |
| PROFILE COMMERCIAL CORPORATION3 | AND VARIOUS AGENTS 320 S SERVICE RD MELVILLE, NY 11747 | AFLAC | $296 | — | $296 | 1.83% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $216 | — | $216 | 1.34% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $191 | — | $191 | 1.18% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $140 | — | $140 | 0.87% |
| EDWIN O'CONNOR3 | 22 FAIRVIEW RD W MASSAPEQUA, NY 11758 | AFLAC | $105 | — | $105 | 0.65% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $609 | $13 | $622 | 6.10% |
| KIRSTEN E WALSH3 | 112 NORWOOD AVE NORTHPORT, NY 11768 | AFLAC | $216 | — | $216 | 2.12% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $157 | $3 | $160 | 1.57% |
| PROFILE COMMERCIAL CORPORATION3 | AND VARIOUS AGENTS 320 S SERVICE RD MELVILLE, NY 11747 | AFLAC | $55 | — | $55 | 0.54% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $53 | — | $53 | 0.52% |
| EDWIN O'CONNOR3 | 22 FAIRVIEW RD W MASSAPEQUA, NY 11758 | AFLAC | $44 | — | $44 | 0.43% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $41 | — | $41 | 0.40% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $915 | $43 | $958 | 11.37% |
| KIRSTEN E WALSH3 | 112 NORWOOD AVE NORTHPORT, NY 11768 | AFLAC | $274 | — | $274 | 3.25% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $188 | $10 | $198 | 2.35% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $48 | — | $48 | 0.57% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $631 | — | $631 | 10.02% |
| CORPORATE SYNERGIES GROUP LLC4 Filed as: CORPORATE SYNERGIES GROUP | STE 100 5000 DEARBORN CIR MOUNT LAUREL, NJ 08054 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $558 | — | $558 | 8.86% |
| NEW CHARTERS LLC4 | PO BOX 8927 ELIZABETH, NJ 07201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $69 | — | $69 | 1.10% |
| CHRISTINE M WALSH3 | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $277 | — | $277 | 8.51% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $58 | — | $58 | 1.78% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN ELIZABET WALSH | 112 NORWOOD AVE NORTHPORT, NY 11768 | AFLAC | $51 | — | $51 | 1.57% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN ELIZABET WALSH | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $38 | — | $38 | 1.17% |
| CHRISTINE M WALSH3 | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $92 | — | $92 | 4.47% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN ELIZABET WALSH | 112 NORWOOD AVE NORTHPORT, NY 11768 | AFLAC | $33 | — | $33 | 1.60% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $22 | — | $22 | 1.07% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN ELIZABET WALSH | 125 JERICHO TPKE STE 201 JERICHO, NY 11753 | AFLAC | $12 | — | $12 | 0.58% |
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 | 1,065 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 962 | $5.8M |
| Dental | AETNA LIFE INSURANCE CO. | 962 | $5.8M |
| Vision | AETNA LIFE INSURANCE CO. | 962 | $5.8M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,047 | $479K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,047 | $479K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,047 | $479K |
| Other(8 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,047 | $567K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,047 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.