| 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 | $5K | $75K | $80K | 3.72% |
| THE ELITE GROUP LLC3 | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$23 | -$23 | -0.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $126 | $126 | 0.82% |
| EDWARD FRANCIS KLINGES3 | 10 BLACKBURN LN HAVERFORD, PA 19041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $224 | $689 | 5.56% |
| THE ELITE GROUP LLC3 | 5 GREAT VALLEY PKWY STE 355 MALVERN, PA 19355 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | — | $542 | 4.37% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM LOOP DR STE 200 CAMDEN, NJ 08103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $513 | $9 | $522 | 4.21% |
| JOSEPH JOHN KOZAK3 | 125 MAGNOLIA DR PHOENIXVILLE, PA 19460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | — | $287 | 2.31% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $60 | $231 | 1.86% |
| TOMPKINS INSURANCE AGENCIES INC AND3 | VARIOUS AGENTS 6201 SENTINEL RIDGE EAGLEVILLE, PA 19403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $4 | $168 | 1.36% |
| ALDEN D MCGEE3 | 3657 RICHMOND ST JACKSONVILLE, FL 32205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $15 | $143 | 1.15% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $2.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $15K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.