| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE COMPANY | $114K | $11K | $125K | 4.04% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 0.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 2000 WEST LOOP SOUTH SUITE 2150 HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | — | $196 | $196 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | DELTA DENTAL OF NEW YORK | $9K | — | $9K | 3.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | UNKNOWN NEW YORK, NY 10016 | DELTA DENTAL OF NEW YORK | $4K | — | $4K | 1.66% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | DELTA DENTAL OF NEW YORK | $7K | — | $7K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | ERICA MENDEZ 701 B ST STE 600 SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $874 | $4K | 5.24% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | FIRST UNUM LIFE INSURANCE COMPANY | $579 | $409 | $988 | 1.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SUITE 600 SAN DIEGO, CA 92101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $1K | $6K | 9.57% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 469 | $3.1M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 492 | $405K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 317 | $76K |
| Long-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 314 | $61K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 317 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.