| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INUSRANCE COMPANY | $64K | $12K | $76K | 8.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | RELIANCE STANDARD LIFE INUSRANCE COMPANY | $7K | $0 | $7K | 0.85% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $5K | $0 | $5K | 2.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $3K | $0 | $3K | 1.66% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.32% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $458 | $2K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | METROPOLITAN LIFE INSURANCE COMPANY | $187 | $108 | $295 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $113 | $113 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | TELADOC HEALTH | $2K | $0 | $2K | 6.44% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | METLIFE LEGAL PLANS | $303 | $0 | $303 | 5.36% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | METLIFE LEGAL PLANS | $284 | $0 | $284 | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METLIFE LEGAL PLANS | $0 | $31 | $31 | 0.55% |
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 | 1,750 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 66 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,399 | $173K |
| Life insurance | RELIANCE STANDARD LIFE INUSRANCE COMPANY | 2,153 | $873K |
| Short-term disability | RELIANCE STANDARD LIFE INUSRANCE COMPANY | 2,153 | $873K |
| Long-term disability | RELIANCE STANDARD LIFE INUSRANCE COMPANY | 2,153 | $873K |
| Other(6 contracts, 6 carriers) | RELIANCE STANDARD LIFE INUSRANCE COMPANY | 3,719 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,719 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.