| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | HORIZON HEALTHCARE SERVICES, INC. | $236K | — | $236K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $96K | — | $96K | 6.86% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $79K | — | $79K | 7.07% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE | $68K | — | $68K | 9.84% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 9.66% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | CAREBRIDGE CORPORATION | $15K | — | $15K | 14.90% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 9.36% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $982 | — | $982 | 14.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE | $224 | — | $224 | 8.86% |
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 | 9,074 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 322 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 322 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 5,881 | $4.7M |
| Vision(2 contracts) | EYEMED VISION CARE | 10,695 | $695K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,256 | $251K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,318 | $1.1M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,019 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,695 | — |
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.