| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $200K | $27K | $227K | 2.31% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 17.29% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $80 | $80 | 0.03% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $2K | — | $2K | 11.91% |
| JILL LISA RAPPAPORT3 | 402 19TH ST BROOKLYN, NY 11215 | AFLAC | $2K | $51 | $2K | 11.44% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $761 | $12 | $773 | 4.00% |
| LAYLA R HECKER3 | 9 METROPOLITAN OVAL APT 5B BRONX, NY 10462 | AFLAC | $722 | — | $722 | 3.73% |
| MARITZA ROLON3 | 3051 EDWIN AVE APT 2A FORT LEE, NJ 07024 | AFLAC | $541 | — | $541 | 2.80% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | AND VARIOUS AGENTS 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $322 | — | $322 | 1.66% |
| AUSTIN & CO INC3 | ATTN KELLIE BALDWIN 20 CORPORATE WOODS BLVD STE 4 ALBANY, NY 12211 | AFLAC | $78 | — | $78 | 0.40% |
| CORPORATE SYNERGIES GROUP LLC3 | 1212 6TH AVE NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.11% |
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 867 | $9.9M |
| Dental | AETNA LIFE INSURANCE CO. | 867 | $9.8M |
| Vision | VISION SERVICE PLAN | 375 | $44K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 405 | $267K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 405 | $267K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 405 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.