| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | AMERIHEALTH INSURANCE COMPANY | $126K | — | $126K | 4.94% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR #200 CAMDEN, NJ 08103 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 9.94% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $3K | $13 | $3K | 4.69% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | AFLAC | $1K | — | $1K | 1.95% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $698 | $56 | $754 | 1.37% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $690 | — | $690 | 1.25% |
| BARBARA A HAWES3 | AND VARIOUS AGENTS 21 MAPLE LN UNIT D BRIELLE, NJ 08730 | AFLAC | $538 | — | $538 | 0.98% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $464 | $13 | $477 | 0.87% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $337 | — | $337 | 0.61% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 4.39% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE DENTAL, INC. | $1K | — | $1K | 4.39% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $841 | — | $841 | 6.65% |
| GERARD, JOHN, ROBERT3 Filed as: GERARD, JOHN R | 409 MONMOUTH AVE BRADLEY BEACH, NJ 07720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| GERARD, JOHN, ROBERT3 | 409 MONMOUTH AVE BRADLEY BEACH, NJ 07720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 2.71% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 259 | $2.6M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 78 | $83K |
| Vision(2 contracts, 2 carriers) | AMERIHEALTH INSURANCE COMPANY | 259 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 155 | $100K |
| Long-term disability | STANDARD INSURANCE COMPANY | 155 | $91K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 259 | $2.6M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 155 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.