| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 2.29% |
| MARYANN M MEYERS3 Filed as: MARYANN M. MEYERS | 6704 PLEASURE AVENUE, SUITE B SEA ISLE CITY, NJ 08243 | AFLAC | $171 | — | $171 | 2.13% |
| LINDA W OLGUIN3 Filed as: LINDA E. MATTISON | 11205 NORTH 119TH WAY SCOTTSDALE, AZ 85259 | AFLAC | $144 | — | $144 | 1.80% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $116 | — | $116 | 1.45% |
| MJ INSURANCE3 Filed as: ALBERT SHUST AND VARIOUS AGENTS | 200 CENTENNIAL AVENUE, SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $92 | $14 | $106 | 1.32% |
| ARTHUR B GOLDBERG3 Filed as: ARTHUR GOLDBERG | 1741 ACADEMY LANE HAVERTOWN, PA 19083 | AFLAC | $55 | $35 | $90 | 1.12% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 550 CENTRAL AVENUE LINWOOD, NJ 08221 | AFLAC | $80 | — | $80 | 1.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AFLAC | $40 | — | $40 | 0.50% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $5K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 129 | $106K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $5K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $76K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $76K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $5K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.