| 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 | $154K | $0 | $154K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | HARTFORD LIFE AND ACCIDENT | $12K | $5K | $17K | 17.11% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HEALTHCARE DENTAL, INC. | $2K | $0 | $2K | 4.27% |
| 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 | 4.30% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | AFLAC | $6K | $0 | $6K | 12.17% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $5K | $448 | $6K | 12.08% |
| BARBARA A HAWES3 | 21 MAPLE LANE, UNIT D BRIELLE, NJ 08730 | AFLAC | $2K | $191 | $2K | 4.06% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12B LINWOOD, NJ 08221 | AFLAC | $2K | $256 | $2K | 3.93% |
| ROSE M SUDANO3 Filed as: ROSE M. SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $2K | $194 | $2K | 3.64% |
| MJ INSURANCE3 Filed as: KENNETH VAUGHAN AND VARIOUS AGENTS | 51 BROAD STREET MANASQUAN, NJ 08736 | AFLAC | $1K | $1 | $1K | 2.61% |
| HENRY A SCHEYER3 Filed as: HENRY A. SCHEYER | 62 RIVA BOULEVARD BRICK, NJ 08723 | AFLAC | $598 | $40 | $638 | 1.34% |
| JOHN ROBERT GERARD3 | 409 MONMOUTH AVENUE BRADLEY BEACH, NJ 07720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 18.46% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $961 | $0 | $961 | 6.38% |
| JOHN ROBERT GERARD3 | 409 MONMOUTH AVENUE BRADLEY BEACH, NJ 07720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $302 | $0 | $302 | 2.60% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 307 | $3.1M |
| Dental(2 contracts, 2 carriers) | HEALTHCARE DENTAL, INC. | 98 | $104K |
| Vision | VISION SERVICE PLAN | 175 | $15K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 170 | $109K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 170 | $97K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 307 | $3.1M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 170 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.