| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $8K | — | $8K | 2.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 420 LEXINGTON AVE, SUITE 2700 NEW YORK, NY 10170 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $8K | — | $8K | 1.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | — | $7K | 4.90% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 2 AQUARIUM LOOP DRIVE 2ND FLOOR CAMDEN, NJ 08103 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 2.67% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | DELTA DENTAL OF NEW JERSEY, INC. | $1K | — | $1K | 0.96% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 7.01% |
| EMERSON REID LLC3 | EMPIRE STATE BLDG 350 FIFTH AVENUE STE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | — | $641 | $641 | 0.75% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $225 | $2K | 10.66% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $1K | — | $1K | 5.83% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 2 AQUARIUM LOOP DRIVE 2ND FLOOR CAMDEN, NJ 08103 | DELTA DENTAL OF NEW JERSEY, INC. | $777 | — | $777 | 6.51% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY, INC. | $588 | — | $588 | 4.93% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | OXFORD HEALTH INSURANCE, INC | $857 | — | $857 | 7.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | ALPHA DENTAL PROGRAMS, INC. | $214 | — | $214 | 3.28% |
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 | 225 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 54 | $428K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 449 | $159K |
| Vision | VISION SERVICE PLAN | 207 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 225 | $86K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $18K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 225 | $86K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 54 | $417K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 346 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.