| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $136K | $6K | $142K | 3.90% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | LLC 5444 WESTHEIMER RD HOUSTON, TX 77056 | AETNA LIFE INSURANCE CO. | — | $614 | $614 | 0.02% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA STE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $938 | $5K | 6.18% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $819 | $4K | 6.76% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 701 B STREET SUITE 600 SAN DIEGO, CA 92101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $1K | $5K | 8.23% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | THE PAUL REVERE LIFE INSURANCE COMPANY | $764 | $64 | $828 | 1.38% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $668 | $4K | 8.40% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 556 | $3.6M |
| Dental | AETNA LIFE INSURANCE CO. | 556 | $3.6M |
| Vision | AETNA LIFE INSURANCE CO. | 556 | $3.6M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 337 | $141K |
| Long-term disability(2 contracts) | THE PAUL REVERE LIFE INSURANCE COMPANY | 322 | $114K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 337 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.