| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $152K | — | $152K | 3.69% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $53 | $29K | 6.86% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $30K | — | $30K | 15.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $5K | $128 | $5K | 2.77% |
| ERIC T FREEDMAN3 | 23061 VIA STEL BOCA RATON, FL 334333931 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.05% |
| BOBUD ASSOCIATES INC3 | 21 STONY GATE OVAL NEW ROCHELLE, NY 108042540 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.55% |
| MICHAEL S SCHWARTZ4 | 34 DRYDEN RD NEW CASTLE, DE 19720 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $357 | — | $357 | 8.28% |
| ANGEL L PINEIRO JR4 | 4 WHIPPOORWILL DR SAYLORSBURG, PA 18353 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $284 | — | $284 | 6.59% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $89 | — | $89 | 9.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $48 | $48 | 5.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 ATTN ACCOUNTING NEW YORK, NY 101730401 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $19 | $2 | $21 | 22.34% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $11 | — | $11 | 14.47% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $7 | $7 | 9.21% |
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 | 485 | 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) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 550 | $4.3M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 830 | $427K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 830 | $426K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 485 | $232K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 478 | $203K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 478 | $203K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 478 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 830 | — |
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.