| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | KEYSTONE | — | $205K | $205K | 30.75% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $6K | $26K | 7.42% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | DELTA DENTAL OF PENNSYLVANIA | $8K | — | $8K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES -MT. LAUREL, NJ | PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $816 | — | $816 | 9.05% |
| LABOR FIRST LLC3 Filed as: LABOR - FIRST LLC | UNKNOWN PHILADELPHIA, PA 19130 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 21.85% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES, INC. | 5000 DEARBOEN CIR STE 100 MOUNT LAUREL, NJ 08054 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYERGIES GROUP LLC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | COUNTRYWIDE ENTERPRISES, INC | $586 | — | $586 | 9.99% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 539 | $4.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 589 | $170K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 539 | $3.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 484 | $348K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 484 | $348K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 484 | $348K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 539 | $4.0M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 484 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.