| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 200 EAST PARK DR #600 MOUNT LAUREL, NJ 08054 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $13K | $4K | $17K | 13.00% |
| CASE, ROBERT3 | 302 WILSHIRE DR NUTLEY, NJ 07110 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | -$20 | — | -$20 | -0.02% |
| DONALD C SAVOY INC3 | 15 JAMES T BOX 239 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | -$2K | -$2K | -1.79% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 5.29% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $878 | — | $878 | 6.49% |
| DONALD C SAVOY INC3 | 15 JAMES T BOX 239 FLORHAM PARK, NJ 07932 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $267 | $267 | 3.57% |
| CASE, ROBERT3 | 302 WILSHIRE DR NUTLEY, NJ 07110 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $245 | — | $245 | 3.28% |
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 | 194 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 316 | $129K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 316 | $143K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 194 | $83K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 188 | $76K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 188 | $76K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 194 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.