| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 3.77% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $32K | $13K | $45K | 5.96% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HM LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| TIMOTHY MCCONNELL4 | 145 ROSELAWN CRES FAIRPORT, NY 14450 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $446 | — | $446 | 7.67% |
| KIMBERLY FERRIS4 Filed as: KIMBERLY A FERRIS | 48 BERNHARDT DR AMHERST, NY 14226 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $68 | — | $68 | 1.17% |
| J MALIK E OBIDEGWU4 | 9609 DYSON RD BRANDYWINE, MD 20613 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $46 | — | $46 | 0.79% |
| DAVID PAPERNO4 | 78347 GRAPE ARBOR AVE PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $18 | — | $18 | 0.31% |
| SCOTT C. ANDERSON4 Filed as: SCOTT BOYAR | 5945 CREOLA RD CHARLOTTE, NC 28270 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $13 | — | $13 | 0.22% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC | 5000 DEARBORN CIR #100 MOUNT LAUREL, NJ 08054 | MHN SERVICES, LLC | $523 | — | $523 | 11.42% |
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 | 1,662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 2,118 | $749K |
| Vision | HM LIFE INSURANCE COMPANY | 2,225 | $99K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,662 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,662 | $1.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,662 | $1.1M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,662 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,225 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.