| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | OXFORD HEALTH INSURANCE, INC. | $38K | $0 | $38K | 3.54% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 3.73% |
| EMERSON REID LLC3 | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $133 | $0 | $133 | 0.10% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $56 | $0 | $56 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $56 | $0 | $56 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 344 WEST MAIN STREET MILFORD, CT 06460 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 5.71% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 4.10% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | UNION SECURITY INSURANCE COMPANY | $843 | $0 | $843 | 2.26% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | UNION SECURITY INSURANCE COMPANY | $20 | $0 | $20 | 0.05% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 262 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 237 | $138K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 237 | $138K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 46 | $37K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 46 | $37K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 46 | $37K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 262 | $1.1M |
| Other | UNION SECURITY INSURANCE COMPANY | 46 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.