| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | 5000 DEARBORN CIR #1000 MT LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS | $55K | $0 | $55K | 1.70% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $27K | $4K | $31K | 0.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | MINNESOTA PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE STANDARD | $0 | $5K | $5K | 2.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | MINNESOTA PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE STANDARD | $0 | $4K | $4K | 2.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | MINNESOTA PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE STANDARD | $0 | $3K | $3K | 2.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62757 VIRGINIA BEACH, VA 23466 | SUPERIOR VISION | $2K | $0 | $2K | 4.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P O BOX 61007 VIRGINIA BEACH, VA 23466 | SUPERIOR VISION | $284 | $0 | $284 | 0.55% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | SUPERIOR VISION | -$83 | $0 | -$83 | -0.16% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 677 | $3.2M |
| Dental | THE STANDARD | 242 | $282K |
| Vision | SUPERIOR VISION | 223 | $52K |
| Life insurance | THE STANDARD | 368 | $205K |
| Short-term disability | THE STANDARD | 368 | $135K |
| Long-term disability | THE STANDARD | 368 | $179K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 677 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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.