| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.52% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER. INC | 750 THIRD AVENUE 15TH FLOOR NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.41% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.27% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $732 | $7K | 7.76% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | STE 320 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 4.66% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $926 | $3K | 3.42% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY | ONE INTEGRITY PARKWAY RICHMOND HEIGHTS, OH 44143 | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 1.10% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $714 | — | $714 | 4.89% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $487 | — | $487 | 3.34% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $67 | — | $67 | 0.46% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 109 | $99K |
| Vision | VISION SERVICE PLAN | 112 | $15K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 172 | $96K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 172 | $96K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 172 | $96K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 172 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.