| 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 | $68K | — | $68K | 2.97% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SERV. LLC | 200 SEAPORT BLVD MAIL ZONE V2B BOSTON, MA 02210 | OXFORD HEALTH INSURANCE, INC | $24K | — | $24K | 1.05% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | METROPOLITIAN LIFE INSURANCE CO | $9K | $49 | $10K | 6.74% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SERV. LLC | 200 SEAPORT BLVD BOSTON, MA 02210 | METROPOLITIAN LIFE INSURANCE CO | $3K | $594 | $4K | 2.90% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | METROPOLITIAN LIFE INSURANCE CO | $0 | $3K | $3K | 2.44% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | $3K | $12K | 17.02% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH MARKETPLACE | 640 FIFTH AVE NEW YORK, NY 10019 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 6.34% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | COMPANION LIFE INSURANCE COMPANY | $3K | $2K | $5K | 10.54% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH MARKETPLACE | 640 FIFTH AVE NEW YORK, NY 10019 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.37% |
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 | 187 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 274 | $2.3M |
| Dental | METROPOLITIAN LIFE INSURANCE CO | 424 | $141K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 184 | $51K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 184 | $70K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 184 | $70K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 184 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.