| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $60K | $63K | 3.93% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 11.30% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 400 N PONCE DE LEON BLVD SAINT AUGUSTINE, FL 32084 | HARTFORD LIFE AND ACCIDENT | — | $378 | $378 | 1.33% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $554 | — | $554 | 10.21% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 233 BROADWAY 26TH FLOOR NEW YORK, NY 10279 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $211 | $211 | 3.89% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$5 | — | -$5 | -0.09% |
| USI INSURANCE SERVICES LLC3 | 7 GIRALDA FARMS 2ND FL MADISON, NJ 07940 | FIRST UNUM LIFE INSURANCE COMPANY | $19 | — | $19 | 0.52% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES LLC | 2 AQUARIUM LOOP DR STE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $188 | — | $188 | 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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $1.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $1.6M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 57 | $5K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 88 | $28K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 88 | $28K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 88 | $28K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 88 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.