| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 400 N PONCE DE LEON BLVD SAINT AUGUSTINE, FL 32084 | HARTFORD LIFE AND ACCIDENT | — | $910 | $910 | 1.10% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - MT. LAUREL, | NJ PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | — | $2K | 9.97% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | ALPHA DENTAL PROGRAMS, INC. | $396 | — | $396 | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM LOOP DR STE 200 CAMDEN, NJ 08103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | — | $202 | 7.86% |
| HELEN DIZ-HATTON3 | 4 PALMER LN ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 7.35% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 343 | $115K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 224 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 281 | $83K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 281 | $83K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 281 | $83K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 281 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
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.