| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 80103 | BLUECROSS BLUESHIELD OF ILLINOIS | $63K | — | $63K | 4.31% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 80103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $137K | $42K | $179K | 19.59% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 80103 | UNITED CONCORDIA INSURANCE COMPANY | $43K | — | $43K | 10.49% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 80103 | HEARTLAND | $3K | — | $3K | 9.09% |
| CORPORATE SYNERGIES GROUP LLC3 | 200 EAST PARK DRIVE, SUITE 600 MOUNT LAUREL, NJ 08054 | MAGELLAN BEHAVIORAL HEALTH | $2K | — | $2K | 12.00% |
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 | 528 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 174 | $1.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,018 | $409K |
| Vision | HEARTLAND | 660 | $31K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,055 | $915K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,055 | $915K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 174 | $1.5M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,055 | $934K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,055 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.