| 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 | KEYSTONE | $0 | $290K | $290K | 51.36% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $6K | $24K | 7.37% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | UNKNOWN PHILADELPHIA, PA 19130 | DELTA DENTAL OF PENNSYLVANIA | $8K | $0 | $8K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | UNKNOWN PHILADELPHIA, PA 19130 | AETNA HEALTH, INC. | $0 | $86 | $86 | 0.16% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.01% |
| UNKNOWN3 | UNKNOWN PHILADELPHIA, PA 19130 | COUNTRYWIDE PRE-PAID LEGAL SERVICES, INC. | $520 | $0 | $520 | 10.01% |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 547 | $3.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 596 | $166K |
| Vision | INDEPENDENCE BLUE CROSS | 547 | $3.2M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 472 | $330K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 472 | $330K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 472 | $330K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 547 | $3.8M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 472 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.