| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $91K | $117K | 4.23% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.10% |
| CORPORATE SYNERGIES GROUP LLC3 | ORLANDO LOCATION 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $5K | $27K | 14.47% |
| AIMEE CECILIA CABRERA3 | 11866 SW 97 TERR MIAMI, FL 33186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 21.72% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 780 W GRANDA BLVD ORMOND BEACH, FL 32174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.46% |
| MARIA CARDENAL3 | 10301 SW 98TH AVE MIAMI, FL 33176 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.72% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SW 44 TER MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $941 | — | $941 | 5.18% |
| NOLAN KING3 | 1215 E PLANT STREET UNIT 2-314 WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $633 | — | $633 | 3.48% |
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 | 318 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 489 | $2.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 489 | $2.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 489 | $2.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $184K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $184K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $184K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.