| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $7K | $7K | $14K | 7.83% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $3K | $17K | 12.32% |
| RICHARD DIACONT3 | 21 IRON HORSE DR RINGOES, NJ 08551 | AFLAC | $31K | $32 | $31K | 26.92% |
| BARRY M SCOFF3 | 82 SAND HILLS RD KENDALL PARK, NJ 08824 | AFLAC | $7K | $3 | $7K | 5.94% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $5K | $3 | $5K | 4.00% |
| BARRY M SCOFF3 Filed as: BARRY SCOFF | 82 SAND HILLS RD KENDALL PARK, NJ 08824 | AFLAC | $48 | — | $48 | 0.04% |
| RICHARD DIACONT3 | 21 IRON HORSE DR RINGOES, NJ 08551 | AFLAC | $25K | $353 | $25K | 29.48% |
| BARRY M SCOFF3 | 82 SAND HILLS RD KENDALL PARK, NJ 08824 | AFLAC | $5K | $82 | $6K | 6.52% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $4K | $82 | $4K | 4.40% |
| BARRY M SCOFF3 Filed as: BARRY SCOFF | 82 SAND HILLS RD KENDALL PARK, NJ 08824 | AFLAC | $6 | — | $6 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $2K | — | $2K | 4.53% |
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 | 549 | 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) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 585 | $178K |
| Vision | VISION SERVICE PLAN | 284 | $35K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 549 | $334K |
| Short-term disability(2 contracts) | AFLAC | 82 | $199K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 549 | $135K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 549 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.