| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $186K | $0 | $186K | 1305.92% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF NC INC | 11215 N COMM HOUSE RD STE 100 CHARLOTTE, NC 28277 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $794 | $0 | $794 | 5.56% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $914 | $0 | $914 | 12.42% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF NC INC | 11215 N COMM HOUSE RD STE 100 CHARLOTTE, NC 28277 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $465 | $0 | $465 | 6.32% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $942 | $0 | $942 | 14.77% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF NC INC | 11215 N COMM HOUSE RD STE 100 CHARLOTTE, NC 28277 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $331 | $0 | $331 | 5.19% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 47 | $14K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 47 | $14K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 47 | $14K |
| Other(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 61 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61 | — |
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.