| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | HORIZON HEALTHCARE SERVICES, INC. | $52K | — | $52K | 2.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. DBA BENEFIT | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | HORIZON HEALTHCARE SERVICES, INC. | $12K | — | $12K | 0.47% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 5000 DEARBORN CIRCLE MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $7K | 6.68% |
| CORPORATE SYNERGIES GROUP LLC Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 11.20% |
| JACOB SOLOMAN3 | 30 TWO BRIDGES ROAD SUITE 320 FAIRFIELD, NJ 07004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $441 | $441 | 0.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75244 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $223 | $223 | 0.42% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | EYEMED VISION CARE | $1K | — | $1K | 10.95% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 193 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 645 | $104K |
| Vision | EYEMED VISION CARE | 405 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $53K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $53K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 193 | $2.6M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.