| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | AMERIHEALTH INSURANCE COMPANY | $150K | — | $150K | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 11 MARISSA DR NEW EGYPT, NJ 08533 | HARTFORD LIFE AND ACCIDENT | $15K | $8K | $23K | 17.93% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $5K | $3K | $8K | 9.94% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.03% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $5K | $144 | $5K | 9.02% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 11 MARISSA DR NEW EGYPT, NJ 08533 | AFLAC | $3K | — | $3K | 5.80% |
| MELISSA WAH3 Filed as: MELISSA WAH AND VARIES AGENTS | 1 PARKER PASS COLTS NECK, NJ 07722 | AFLAC | $2K | $94 | $2K | 3.06% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $1K | $117 | $1K | 2.19% |
| KENNETH S VAUGHAN3 | 51 BROAD ST MANASQUAN, NJ 08736 | AFLAC | $809 | $159 | $968 | 1.66% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $791 | $7 | $798 | 1.37% |
| BARBARA A HAWES3 | 21 MAPLE LN UNIT D BRIELLE, NJ 08730 | AFLAC | $672 | $110 | $782 | 1.34% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 4.18% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE DENTAL, INC. | $2K | — | $2K | 4.11% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $896 | — | $896 | 5.69% |
| GERARD, JOHN, ROBERT3 | 409 MONMOUTH AVE BRADLEY BEACH, NJ 07720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $257 | — | $257 | 2.89% |
| GERARD, JOHN, ROBERT3 Filed as: GERARD, JOHN R | 409 MONMOUTH AVE BRADLEY BEACH, NJ 07720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 25.51% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 283 | $3.0M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 83 | $106K |
| Vision | VISION SERVICE PLAN | 164 | $16K |
| Life insurance(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 217 | $257K |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 217 | $248K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 283 | $3.0M |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 217 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.