| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | OXFORD HEALTH INSURANCE, INC. | $45K | $2K | $47K | 2.76% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INS. & FINANCIAL SVCS. | 1133 WESTCHESTER AVENUE SUITE S 229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | $9K | — | $9K | 0.51% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | EMBLEM HEALTH | $15K | — | $15K | 3.53% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 6.86% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INS. & FINANCIAL SVCS. | 1133 WESTCHESTER AVENUE SUITE S 229 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 1.49% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | DEARBORN NATIONAL INSURANCE COMPANY | $1K | $803 | $2K | 12.18% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INS. & FINANCIAL SVCS. | 1133 WESTCHESTER AVENUE SUITE S 229 WHITE PLAINS, NY 10604 | DEARBORN NATIONAL INSURANCE COMPANY | $424 | — | $424 | 2.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN SVCS., INC. | — | DEARBORN NATIONAL INSURANCE COMPANY | — | $215 | $215 | 1.28% |
| CORPORATE SYNERGIES GROUP LLC3 | P.O. BOX 654118 DALLAS, TX 75265 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $151 | — | $151 | 1.80% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INS. & FINANCIAL SVCS. | 1133 WESTCHESTER AVENUE SUITE S 229 WHITE PLAINS, NY 10604 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $34 | — | $34 | 0.41% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN SVCS., INC. | 1133 WESTCHESTER AVENUE SUITE S 229 WHITE PLAINS, NY 10604 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $9 | — | $9 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC BROKER | Insurance brokerage commissions and fees Service code 53 | 61 SOUTH PARAMUS ROAD 4TH FLOOR PARAMUS, NJ 07652 | $0 |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 156 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO. | 179 | $69K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 57 | $8K |
| Life insurance | DEARBORN NATIONAL INSURANCE COMPANY | 271 | $17K |
| Other | DEARBORN NATIONAL INSURANCE COMPANY | 271 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.