| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $2K | $8K | 3.77% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 800 WESTCHESTER AVE STE S-714 RYE BROOK, NY 10573 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 2.25% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 540 GATHER RD ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 1.93% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $1K | $3K | 4.52% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 800 WESTCHESTER AVE STE S-714 RYE BROOK, NY 10573 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.29% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | ARAG INSURANCE COMPANY | $3K | — | $3K | 6.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVENUE 10TH FLOOR WHITE PLAINS, NY 10601 | ARAG INSURANCE COMPANY | $1K | — | $1K | 3.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 800 WESTCHESTER AVE STE S-714 RYE BROOK, NY 10573 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $893 | — | $893 | 3.26% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $479 | $288 | $767 | 2.80% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $442 | $2K | 7.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 800 WESTCHESTER AVE STE S-714 RYE BROOK, NY 10573 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 4.44% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 800 WESTCHESTER AVE STE S-714 RYE BROOK, NY 10573 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $912 | — | $912 | 4.03% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR, SUITE 200 CAMDEN, NJ 08103 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $219 | $131 | $350 | 1.55% |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,133 | $65K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 491 | $269K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 491 | $207K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 491 | $207K |
| Other(6 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 491 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,133 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.