| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | OXFORD HEALTH INSURANCE, INC. | $96K | $2K | $98K | 4.02% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING, INC. | 1983 MARCUS AVENUE, SUITE C130 NEW HYDE PARK, NY 11042 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 10.83% |
| PROFESSIONAL LAW INS ADVISORS LLC3 Filed as: PROFESSIONAL LAW INS. ADVISORS, LLC | PO BOX 59816 POTOMAC, MD 20859 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 15.30% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING, INC. | 1983 MARCUS AVENUE, SUITE C130 NEW HYDE PARK, NY 11042 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.54% |
| WILLIAM T LAWRENCE3 Filed as: WILLIAM T. LAWRENCE | 2917 WEST 9755 SOUTH SOUTH JORDAN, UT 84095 | METROPOLITAN LIFE INSURANCE COMPANY | $450 | — | $450 | 0.41% |
| EVAN SCOTT PORTNOY3 Filed as: EVAN S. PORTNOY | 1983 MARCUS AVENUE, SUITE C130 NEW HYDE PARK, NY 11042 | METROPOLITAN LIFE INSURANCE COMPANY | $231 | — | $231 | 0.21% |
| LAWMED INSURANCE GROUP, INC.3 | 200 CONGRESS AVENUE, UNIT 20F AUSTIN, TX 78701 | METROPOLITAN LIFE INSURANCE COMPANY | $157 | — | $157 | 0.14% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $4K | $12 | $4K | 10.03% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING INC. | 1983 MARCUS AVENUE, SUITE C130 LAKE SUCCESS, NY 11042 | FEDERAL INSURANCE COMPANY | $1K | $302 | $1K | 19.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | UDC DENTAL OF CALIFORNIA, INC. | $199 | — | $199 | 10.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | UNION SECURITY DENTALCARE OF NEW JERSEY, INC. | $48 | — | $48 | 10.02% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 252 | $2.4M |
| Dental(3 contracts, 3 carriers) | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 52 | $42K |
| Vision | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 52 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $113K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $113K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 252 | $2.4M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.