| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 4.33% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $939 | — | $939 | 5.41% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $611 | — | $611 | 6.78% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $236 | — | $236 | 2.62% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $302 | — | $302 | 6.97% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 2.70% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 3.14% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 1.12% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.45% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | — | $147 | 7.01% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 2.72% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 7.02% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 2.68% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 6.99% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 2.70% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 7.02% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 2.75% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 6.96% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 2.63% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 2.84% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 1.07% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.71% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 3.58% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 1.32% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 2.60% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.16% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.87% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 182 | $92K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 46 | $17K |
| Short-term disability(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 20 | $12K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 154 | $232K |
| Other(9 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 46 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.