| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1086 TEANECK ROAD, 5TH FLOOR TEANECK, NJ 07666 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $96K | $52K | $148K | 13.16% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE. SUITE 100 MOUNT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $56K | — | $56K | 4.95% |
| SINGER NELSON CHARLMERS3 | UNKNOWN NEW YORK, NY 10003 | DELTA DENTAL OF NEW YORK | $9K | — | $9K | 1.75% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | 1.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1086 TEANECK ROAD, 5TH FLOOR TEANECK, NJ 07666 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $18K | — | $18K | 4.18% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $11K | — | $11K | 2.42% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | — | $5K | $5K | 1.09% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 700 AIRPORT BOULEVARD, SUITE 300 BURLINGAME, CA 94010 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 2.98% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 1.60% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | — | $1K | 2.66% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | VISION SERVICE PLAN | $511 | — | $511 | 0.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1086 TEANECK ROAD, 5TH FLOOR TEANECK, NJ 07666 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.47% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $601 | — | $601 | 1.42% |
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 | 846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,034 | $1.3M |
| Dental | DELTA DENTAL OF NEW YORK | 800 | $501K |
| Vision | VISION SERVICE PLAN | 521 | $52K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 771 | $437K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 771 | $480K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 771 | $437K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,034 | $1.3M |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 771 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,034 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.