| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | COMMUNITY INSURANCE COMPANY | $26K | — | $26K | 1.32% |
| BROKERNET INC3 | 110 NORTHWOODS BLVD STE C COLUMBUS, OH 43235 | COMMUNITY INSURANCE COMPANY | — | $5K | $5K | 0.27% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR #200 CAMDEN, NJ 08103 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 9.10% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - CAMDEN | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.78% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | 225 KENNETH DRIVE ROCHESTER, NY 14623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 23.84% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINL SVCS INC DBA | NEWFRONT INS SVCS 777 MARINERS ISLAND BLVD SUITE 250 SAN MATEO, CA 94404 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 16.35% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 218 | $2.0M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 218 | $2.1M |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 203 | $115K |
| Life insurance | STANDARD INSURANCE COMPANY | 138 | $108K |
| Short-term disability | STANDARD INSURANCE COMPANY | 138 | $108K |
| Long-term disability | STANDARD INSURANCE COMPANY | 138 | $108K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 49 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.