| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 10.00% |
| RICHARD DIACONT3 | 21 IRON HORSE DRIVE RINGOES, NJ 08551 | AFLAC | $10K | $844 | $11K | 13.43% |
| BARRY M SCOFF3 Filed as: BARRY M. SCOFF | 82 SAND HILLS PARK KENDALL PARK, NJ 08824 | AFLAC | $3K | $162 | $3K | 4.11% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | AFLAC | $2K | $0 | $2K | 2.12% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $1K | $50 | $1K | 1.34% |
| JOSHUA P SAUNDERS3 Filed as: JOSHUA P. SAUNDERS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $894 | $119 | $1K | 1.30% |
| MJ INSURANCE3 Filed as: ALBERT SHUST AND VARIOUS AGENTS | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $191 | $7 | $198 | 0.25% |
| ANNE SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $69 | $0 | $69 | 0.09% |
| RICHARD DIACONT3 | 21 IRON HORSE DRIVE RINGOES, NJ 08551 | AFLAC | $8K | $331 | $8K | 11.24% |
| BARRY M SCOFF3 Filed as: BARRY M. SCOFF | 82 SAND HILLS DRIVE KENDALL PARK, NJ 08824 | AFLAC | $3K | $70 | $3K | 4.29% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | AFLAC | $1K | $0 | $1K | 1.97% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $901 | $31 | $932 | 1.29% |
| JOSHUA P SAUNDERS3 Filed as: JOSHUA P. SAUNDERS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $774 | $39 | $813 | 1.12% |
| MJ INSURANCE3 Filed as: ALBERT SHUST AND VARIOUS AGENTS | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $329 | $10 | $339 | 0.47% |
| ANNE SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $187 | $0 | $187 | 0.26% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.30% |
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 | 544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 327 | $36K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 544 | $94K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 544 | $94K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 544 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.