| 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 CO. | $109K | $10K | $119K | 2.95% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $5K | $15K | 4.90% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $6K | $17K | 7.38% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $2K | $106 | $2K | 4.11% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AFLAC | $1K | $0 | $1K | 2.93% |
| MJ INSURANCE3 Filed as: ENIDA MICI AND VARIOUS AGENTS | 353 EAST 82ND STREET, APARTMENT 9 NEW YORK, NY 10028 | AFLAC | $1K | $41 | $1K | 2.75% |
| BRETT DIAMOND3 | 10 CAPTAINS BOULEVARD WATERFORD, NY 12188 | AFLAC | $1K | $0 | $1K | 2.41% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES BURNS | 11 OVERHILL ROAD FAIRFIELD, CT 06824 | AFLAC | $340 | $0 | $340 | 0.78% |
| STEPHEN WHITE3 | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $289 | $0 | $289 | 0.66% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $247 | $0 | $247 | 0.56% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | VISION SERVICE PLAN | $968 | $0 | $968 | 5.50% |
| UNKNOWN3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $945 | $0 | $945 | 15.00% |
| KEITH LEPACK3 | 1991 BROADWAY NEW YORK, NY 10023 | AFLAC | $264 | $30 | $294 | 7.58% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AFLAC | $129 | $0 | $129 | 3.33% |
| MJ INSURANCE3 Filed as: JOSE SCHEINEMAN AND VARIOUS AGENTS | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $61 | $3 | $64 | 1.65% |
| RICHARD WHELAN3 | 3507 NORTHWEST CLUBSIDE CIRCLE BOCA RATON, FL 33496 | AFLAC | $20 | $5 | $25 | 0.64% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $25 | $0 | $25 | 0.64% |
| DAVID R MORRISON3 Filed as: DAVID MORRISON | 902 WEST POPLAR ROAD STERLING, VA 20164 | AFLAC | $20 | $0 | $20 | 0.52% |
| MICHAEL REYES3 Filed as: MICHAEL ROBERTS | 535 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | AFLAC | $16 | $0 | $16 | 0.41% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $15 | $9 | $24 | 2.75% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 505 | $4.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 601 | $298K |
| Vision | VISION SERVICE PLAN | 159 | $18K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 326 | $226K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 326 | $226K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 326 | $226K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 505 | $4.0M |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 326 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.