| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $52K | — | $52K | 3.90% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $5K | $22K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGEIES GROUP | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | SYMETRA LIFE INSURANCE COMPANY | $55K | — | $55K | 15.00% |
| HORIZON INSURANCE COMPANY5 Filed as: HORIZON HEALTHCARE INS. AGENCY INC. | 3 PENN PLAZA EAST NEWARK, NJ 07105 | SYMETRA LIFE INSURANCE COMPANY | — | $11K | $11K | 3.10% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $2K | $28K | 14.36% |
| CORPORATE SYNERGIES GROUP LLC3 | P O BOX 654118 DALLAS, TX 75265 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $12K | 12.89% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE, SUITE 100 MOIUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $14K | 21.02% |
| CORPORATE SYNERGIES GROUP LLC3 | P O BOX 654118 DALLAS, TX 75265 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 10.57% |
| CORPORATE SYNERGIES GROUP LLC3 | P O BOX 654118 DALLAS, TX 75265 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $557 | $3K | 18.98% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $738 | $113 | $851 | 10.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $609K |
| CORPORATE SYNERGIES INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 200 PARK DRIVE MOUNT LAUREL, NJ 08054 | $60K |
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 | 817 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,436 | $432K |
| Vision | VISION SERVICE PLAN | 514 | $69K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 949 | $285K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 293 | $50K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $83K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,111 | $364K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 949 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,436 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.