| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | AMERIHEALTH INSURANCE COMPANY | $354K | — | $354K | 4.21% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $10K | $30K | 5.52% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 752654118 | VISION SERVICE PLAN | $5K | — | $5K | 8.87% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $8K | $92 | $8K | 16.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | SAFEGUARD HEALTH PLANS INC, A TEXAS CORPORATION | $483 | $253 | $736 | 6.97% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | CAREBRIDGE CORPORATION | $266 | — | $266 | 7.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECT YOUR CARE LLC EIN 26-1274092 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $15K |
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 1,260 | $8.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,616 | $558K |
| Vision | VISION SERVICE PLAN | 471 | $54K |
| Life insurance | AETNA LIFE INSURANCE CO. | 263 | $50K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 263 | $50K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 1,260 | $8.4M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 263 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,616 | — |
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.