| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $221K | $75 | $221K | 1.93% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 12.12% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $83 | $83 | 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 | 10.02% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PL BROOKLYN, NY 11215 | AFLAC | $1K | $165 | $1K | 7.53% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 RIVERSIDE DR STE 200 CAMDEN, NJ 08103 | AFLAC | $795 | — | $795 | 4.56% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $341 | $83 | $424 | 2.43% |
| LAYLA R HECKER3 | 9 METROPOLITAN OVAL APT 5B BRONX, NY 10462 | AFLAC | $120 | $124 | $244 | 1.40% |
| BEAULIEU BENEFITS INC3 | AND VARIOUS AGENTS 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $238 | — | $238 | 1.37% |
| MARITZA ROLON3 | 3051 EDWIN AVE APT 2A FORT LEE, NJ 07024 | AFLAC | $139 | $97 | $236 | 1.35% |
| AUSTIN & CO INC3 | ATTN KELLIE BALDWIN 20 CORPORATE WOODS BLVD STE 4 ALBANY, NY 12211 | AFLAC | $62 | — | $62 | 0.36% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 860 | $11.5M |
| Dental | AETNA LIFE INSURANCE CO. | 860 | $11.4M |
| Vision | VISION SERVICE PLAN | 368 | $44K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 401 | $269K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 401 | $269K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 401 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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."
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.