| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $66K | — | $66K | 5.80% |
| CORPORATE SYNERGIES GROUP LLC5 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $17K | $17K | 1.52% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $3K | — | $3K | 2.41% |
| BENE RE LLC3 Filed as: BENE-CEPT CONSULTANTS | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $385 | — | $385 | 5.31% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $224 | — | $224 | 3.09% |
| INTERNAL PLANNING ALL LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.11% |
| BLUE OCEAN BENEFITS & CONSULTING3 Filed as: BLUE OCEAN BENEFITS & CONSULT | 1971 STATE HIGHWAY 34 BELMAR, NJ 07719 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $113 | — | $113 | 3.97% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $37 | — | $37 | 1.30% |
| DONALD C SAVOY INC3 | 25 B HANOVER RD FLORHAM PARK, NJ 07932 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $32 | — | $32 | 1.12% |
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 | 950 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INS. CO. | 52 | $201K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 36 | $7K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 782 | $139K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 948 | $1.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 948 | $1.1M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 948 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 948 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.