| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLILIATES | — | $105K | $105K | 1.42% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.60% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIR MOUNT LAUREN, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $836 | $49 | $885 | 0.43% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIR MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIR MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | — | $51K | 50.99% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.34% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 10577 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $94 | $2K | 4.44% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | VISION SERVICE PLAN | $644 | — | $644 | 2.22% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | VISION SERVICE PLAN | $121 | — | $121 | 0.42% |
| PHILLIPS BROS. INS. AGENCY, INC.3 Filed as: PHILLIPS BROS. AGENCY LLC | 2 N LASALLE STE 1606 CHICAGO, IL 60602 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $452 | $49 | $501 | 9.56% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | METROPOLITAN LIFE INSURANCE COMPANY | $333 | — | $333 | 6.36% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.78% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE STE 100 MOUNT LAUREL, NJ 08054 | HARTFORD LIFE INSURANCE COMPANY | — | $1K | $1K | — |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLILIATES | 332 | $7.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLILIATES | 332 | $7.4M |
| Vision | VISION SERVICE PLAN | 269 | $29K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $208K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $5K |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $259K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.