| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $10K | — | $10K | 1.87% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $564 | — | $564 | 0.11% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $4K | — | $4K | 1.74% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | VISION SERVICE PLAN | $279 | — | $279 | 0.14% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC | P.O. BOX 734751 DALLAS, TX 75373 | HEALTHIEST YOU | $16K | — | $16K | 15.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | ATTN ACCOUNT RECEIVABLE 5000 DEARBORN CIR STE 100 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 3.74% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $2K | $2K | 1.94% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $664 | — | $664 | 0.80% |
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 | 2,279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,901 | $206K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,180 | $512K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,279 | $83K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,279 | $83K |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,203 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,279 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.