| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 | 130 THEORY STE 200 IRVINE, CA 92617 | AETNA LIFE INSURANCE COMPANY | $60K | — | $60K | 4.43% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE STE 201 RALEIGH, NC 27612 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 1.02% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $63K | $6K | $69K | 16.42% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $7K | $7K | 1.65% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $47K | $5K | $52K | 16.54% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $6K | $6K | 1.78% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 926173065 | VISION SERVICE PLAN | $2K | — | $2K | 0.79% |
| MCGRIFF INSURANCE SERVICES INC3 | 130 THEORY, STE 200 IRVINE, CA 926173065 | VISION SERVICE PLAN | $538 | — | $538 | 0.20% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $9K | $842 | $10K | 16.36% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $976 | $976 | 1.57% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P INSURANCE SERVICES LLC | 130 THEORY IRVINE, CA 92617 | METLIFE LEGAL PLANS | $4K | $478 | $4K | 8.97% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | METLIFE LEGAL PLANS | $2K | $180 | $2K | 4.39% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 200 EAST PARK DRIVE, SUITE 600 MOUNT LAUREL, NJ 080541232 | METLIFE LEGAL PLANS | — | $48 | $48 | 0.10% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 15.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $398 | $398 | 1.46% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | 5000 DEARBORN CIRCLE STE 100 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $570 | $0 | $570 | 15.00% |
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 | 1,970 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 3,109 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,358 | $270K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,740 | $417K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,738 | $317K |
| Other(5 contracts, 4 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 9,625 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,625 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.