| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $57K | — | $57K | 3.94% |
| CORPORATE SYNERGIES GROUP LLC3 | 61 SOUTH PARAMUS ROAD 4TH FLOOR PARAMUS, NJ 07652 | AETNA LIFE INSURANCE CO. | — | $59 | $59 | 0.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | 6.47% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP LLC | 1767 SENTRY PKWY WEST SUITE 311 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.02% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 752654118 | HARTFORD LIFE AND ACCIDENT | $9K | $674 | $10K | 12.70% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 752654118 | VISION SERVICE PLAN | $631 | — | $631 | 8.28% |
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 | 108 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 200 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $116K |
| Vision | VISION SERVICE PLAN | 71 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 108 | $78K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 108 | $78K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 200 | $1.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 108 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.