| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORP SYNERGIES GROUP LLC | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | $202K | $222K | 3.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $17K | $19K | 0.26% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DR CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.37% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $1K | $68 | $1K | 11.14% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $260 | $16 | $276 | 2.10% |
| KIRSTEN E WALSH3 | 112 NORWOOD AVE NORTHPORT, NY 11768 | AFLAC | $137 | — | $137 | 1.04% |
| STEVEN B LUSTIG3 | 17 WAYLAND ST UNIT 10 DELMAR, NY 12054 | AFLAC | $40 | — | $40 | 0.30% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $34 | — | $34 | 0.26% |
| EDWIN O'CONNOR3 | 22 FAIRVIEW RD W MASSAPEQUA, NY 11758 | AFLAC | $24 | — | $24 | 0.18% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $22 | — | $22 | 0.17% |
| SALVATORE A RESTIVO3 Filed as: SALVATORE RESTIVO | 248 ROUTE 25A #3009 EAST SETAUKET, NY 11733 | AFLAC | $11 | — | $11 | 0.08% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $8 | — | $8 | 0.06% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $3 | — | $3 | 0.02% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.02% |
| TODD BURKE3 | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $335 | — | $335 | 2.90% |
| KIRSTEN E WALSH3 | 112 NORWOOD AVE NORTHPORT, NY 11768 | AFLAC | $270 | — | $270 | 2.34% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $164 | — | $164 | 1.42% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $147 | — | $147 | 1.27% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $108 | — | $108 | 0.94% |
| EDWIN O'CONNOR3 | 22 FAIRVIEW RD W MASSAPEQUA, NY 11758 | AFLAC | $81 | — | $81 | 0.70% |
| PROFILE COMMERCIAL CORPORATION3 | 320 S SERVICE RD MELVILLE, NY 11747 | AFLAC | $62 | — | $62 | 0.54% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $51 | — | $51 | 0.44% |
| WILLIAM J LOEFFERT3 | 545 DAVIS ST NORTH BABYLON, NY 11703 | AFLAC | $33 | — | $33 | 0.29% |
| J DAVID AND ASSOCIATES INC3 Filed as: J DAVID & ASSOCIATES INC | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $29 | — | $29 | 0.25% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $16 | — | $16 | 0.14% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DR APT 4A BAYSIDE, NY 11360 | AFLAC | $16 | — | $16 | 0.14% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $7 | — | $7 | 0.06% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $7 | — | $7 | 0.06% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $5 | — | $5 | 0.04% |
| TODD BURKE3 | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $3 | — | $3 | 0.03% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $432 | — | $432 | 5.37% |
| KIRSTEN E WALSH3 | 112 NORWOOD AVE NORTHPORT, NY 11768 | AFLAC | $161 | — | $161 | 2.00% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $119 | — | $119 | 1.48% |
| ROGER W BORSETT3 | 1999 OAKLAND AVE WANTAGH, NY 11793 | AFLAC | $51 | — | $51 | 0.63% |
| EDWIN O'CONNOR3 | 22 FAIRVIEW RD W MASSAPEQUA, NY 11758 | AFLAC | $42 | — | $42 | 0.52% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $37 | — | $37 | 0.46% |
| PROFILE COMMERCIAL CORPORATION3 | 320 S SERVICE RD MELVILLE, NY 11747 | AFLAC | $17 | — | $17 | 0.21% |
| WILLIAM J LOEFFERT3 | 545 DAVIS ST NORTH BABYLON, NY 11703 | AFLAC | $9 | — | $9 | 0.11% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRING, NY 12866 | AFLAC | $5 | — | $5 | 0.06% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $5 | — | $5 | 0.06% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $4 | — | $4 | 0.05% |
| TODD BURKE3 | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 W NECK RD HUNTINGTON, NY 11743 | AFLAC | $482 | — | $482 | 6.04% |
| KIRSTEN E WALSH3 | 112 NORWOOD AVE NORTHPORT, NY 11768 | AFLAC | $243 | — | $243 | 3.05% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $133 | — | $133 | 1.67% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $48 | — | $48 | 0.60% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $838 | — | $838 | 13.12% |
| CORPORATE SYNERGIES GROUP LLC4 Filed as: CORPORATE SYNERGIES GROUP | 5000 DEARBORN CIR STE 100 MOUNT LAUREL, NJ 08054 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $656 | — | $656 | 10.27% |
| NEW CHARTERS LLC4 | PO BOX 8927 ELIZABETH, NJ 07201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $108 | — | $108 | 1.69% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $2K | — | $2K | 37.51% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $324 | — | $324 | 7.06% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVID | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $215 | — | $215 | 4.69% |
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 | 1,197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 542 | $7.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 542 | $7.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 542 | $7.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,118 | $49K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,118 | $49K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,118 | $49K |
| Other(8 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,118 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,118 | — |
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.