| 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 | AETNA LIFE INSURANCE COMPANY | $107K | $11K | $118K | 2.80% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $6K | $16K | 6.31% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $11K | $1K | $12K | 15.34% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $5K | $1K | $6K | 7.51% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $2K | $67 | $2K | 5.44% |
| THE HORTON GROUP3 Filed as: ALEX HORTON AND VARIOUS AGENTS | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $2K | $60 | $2K | 4.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 PARK AVENUE, 24TH FLOOR NEW YORK, NY 10016 | AFLAC | $1K | — | $1K | 3.28% |
| BRETT G. DIAMOND3 | 375 SOUTH END AVENUE APARTMENT 15R NEW YORK, NY 10280 | AFLAC | $1K | $14 | $1K | 2.68% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | PO BOX 1079 SOUTHPORT, CT 06890 | AFLAC | $317 | — | $317 | 0.80% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08064 | AFLAC | $304 | — | $304 | 0.77% |
| STEPHEN WHITE3 | 214 25 42ND AVENUE, 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $266 | — | $266 | 0.67% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | PO BOX 654118 DALLAS, TX 75265 | VISION SERVICE PLAN | $994 | — | $994 | 5.90% |
| UNKNOWN3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $826 | — | $826 | 15.00% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $379 | — | $379 | 10.58% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 12 COURTNEY LANE BREWSTER, NY 10509 | AFLAC | $195 | — | $195 | 5.45% |
| MJ INSURANCE3 Filed as: DEBRA POPPERT AND VARIOUS AGENTS | 1001 RAY COSTIN WAY, SUITE 1601 MURRELLS INLET, SC 29576 | AFLAC | $61 | — | $61 | 1.70% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIRCLE BOCA RATON, FL 33496 | AFLAC | $32 | — | $32 | 0.89% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILL, NY 11375 | AFLAC | $25 | — | $25 | 0.70% |
| DAVID R MORRISON3 Filed as: DAVID MORRISON | 902 WEST POPLAR ROAD STERLING, VA 20164 | AFLAC | $20 | — | $20 | 0.56% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 1020 NORTH DELAWARE AVENUE, SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $20 | — | $20 | 0.56% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 516 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 694 | $259K |
| Vision | VISION SERVICE PLAN | 150 | $17K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY US | 361 | $81K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 346 | $79K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 516 | $4.2M |
| Other(5 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY US | 370 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.