| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | AMERIHEALTH INSURANCE COMPANY | $129K | — | $129K | 4.23% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $12K | $152 | $12K | 12.61% |
| DENISE A TERRY3 | 836 CHESTNUT NECK RD PORT REPUBLIC, NJ 08241 | AFLAC | $7K | — | $7K | 7.23% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | AFLAC | $5K | $120 | $5K | 5.61% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $5K | $25 | $5K | 4.90% |
| RACHAEL FERRANTE3 | 44 BERKSHIRE DR HOWELL, NJ 07731 | AFLAC | $3K | $1 | $3K | 3.08% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | AND VARIOUS AGENTS 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | AFLAC | $2K | $74 | $3K | 2.62% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $2K | $359 | $2K | 2.03% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE SERVICES, INC. | $3K | — | $3K | 4.22% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE DENTAL, INC. | $2K | — | $2K | 4.22% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $852 | — | $852 | 6.39% |
| GERARD, JOHN, ROBERT3 | 409 MONMOUTH AVE BRADLEY BEACH, NJ 07720 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| GERARD, JOHN, ROBERT3 Filed as: GERARD, JOHN R | 409 MONMOUTH AVE BRADLEY BEACH, NJ 07720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | — |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 251 | $3.1M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 83 | $134K |
| Vision | VISION SERVICE PLAN | 146 | $13K |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $0 |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 251 | $3.1M |
| Other(3 contracts, 3 carriers) | AFLAC | 110 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.