| 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 | AETNA LIFE INSURANCE COMPANY | $360K | $17K | $377K | 28.61% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 4.71% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 500 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $17K | $92 | $17K | 15.80% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.04% |
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 | 527 | 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) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 894 | $1.4M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 907 | $402K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $29K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 894 | $110K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 894 | $110K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 894 | $110K |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE COMPANY | 894 | $1.4M |
| Other | AETNA LIFE INSURANCE COMPANY | 894 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.