| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GRP INC | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | EMBLEMHEALTH | $48K | — | $48K | 4.35% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.97% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM LOOP DR STE 200 CAMDEN, NJ 08103 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $999 | $1 | $1K | 1.79% |
| JAQUIYA HAMMIEL TURNER3 | 544 40TH ST APT 16 UNION CITY, NJ 07087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $732 | — | $732 | 1.31% |
| RAUHN TURNER3 | 1319 MINNESOTA WAY UPPER MARLBORO, MD 20774 | THE PAUL REVERE LIFE INSURANCE COMPANY | $123 | — | $123 | 0.22% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 20.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 20.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $526 | — | $526 | 9.18% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 142 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $56K |
| Vision | VISION SERVICE PLAN | 82 | $6K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 194 | $35K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 194 | $9K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 194 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.