| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG. 2 AQUARIUM DR., SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL | $13K | — | $13K | 4.96% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 S. MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | — | $129 | $129 | 0.05% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE, NO. 100 MT. LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS | $4K | $412 | $4K | 11.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY DR., SUITE 300 WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS | $625 | $80 | $705 | 2.05% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 544 | $4.9M |
| Dental | AETNA LIFE INSURANCE CO. | 662 | $239K |
| Vision(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 544 | $4.9M |
| Life insurance | PRUDENTIAL | 352 | $262K |
| Long-term disability | PRUDENTIAL | 352 | $262K |
| Prescription drug(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 544 | $5.0M |
| Other | PRUDENTIAL | 352 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.