| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 200 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $106K | — | $106K | 6.65% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $43K | $43K | 2.67% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $48K | $30 | $48K | 4.84% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 734751 DALLAS, TX 753734751 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 5.02% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO RD STE 650 TIMONIUM, MD 21093 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $46K | — | $46K | 63.70% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $19K | — | $19K | 25.80% |
| CORPORATE SYNERGIES GROUP LLC4 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 10.00% |
| TIMOTHY MCCONNELL4 | 145 ROSELAWN CRES FAIRPORT, NY 14450 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 8.00% |
| CORPORATE SYNERGIES GROUP LLC4 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $306 | — | $306 | 9.99% |
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 | 1,714 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 2,054 | $982K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,502 | $367K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,714 | $1.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,714 | $1.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,714 | $1.6M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,087 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,502 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.