| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE SERVICES, INC. | $87K | — | $87K | 5.01% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | MEDICAL MUTUAL OF OHIO | $17K | $200 | $17K | 2.95% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 8.18% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC | 1800 RT 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | $7K | $2K | $8K | 21.91% |
| FERRARA FINANCIAL GROUP, LLC3 | 1150 RARITAN ROAD CRANFORD, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | $4 | — | $4 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - | MT. LAUREL, NJ PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $942 | — | $942 | 8.66% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 96 | $2.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 233 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 155 | $85K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 160 | $39K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $85K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 96 | $1.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 171 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.