| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AMERIHEALTH INSURANCE COMPANY | $144K | $0 | $144K | 5.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN AND ASSOC. LLC | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | HARTFORD LIFE AND ACCIDENT | $13K | $12K | $25K | 22.91% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HEALTHCARE DENTAL, INC. | $2K | $0 | $2K | 4.29% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE SERVICES, INC. | $2K | $0 | $2K | 4.29% |
| JOHN ROBERT GERARD3 Filed as: JOHN R. GERARD | 409 MONMOUTH AVENUE BRADLEY BEACH, NJ 07720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 19.81% |
| JOHN ROBERT GERARD3 Filed as: JOHN ROBERT GERRARD | 409 MONMOUTH AVENUE BRADLEY BEACH, NJ 07720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $455 | $0 | $455 | 2.70% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | VISION SERVICE PLAN | $871 | $0 | $871 | 6.31% |
| JOHN ROBERT GERARD3 Filed as: JOHN R. GERARD | 409 MONMOUTH AVENUE BRADLEY BEACH, NJ 07720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 13.73% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 282 | $2.8M |
| Dental(2 contracts, 2 carriers) | HEALTHCARE DENTAL, INC. | 94 | $96K |
| Vision | VISION SERVICE PLAN | 162 | $14K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 207 | $135K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 207 | $107K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 282 | $2.8M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 207 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.