| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $22K | $4K | $27K | 7.45% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $506 | $506 | 2.29% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | $159 | $1K | 11.29% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN GENERAL INSURANCE COMPANY | $368 | — | $368 | 10.07% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE STE 100 MOUNT LAUREL, NJ 08054 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $306 | — | $306 | 14.99% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE STE 100 MOUNT LAUREL, NJ 08054 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $306 | — | $306 | 14.99% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 789 | $48K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 540 | $357K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 540 | $357K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 540 | $357K |
| Other(6 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 540 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.