| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS - KEYSTONE | $188K | — | $188K | 7.15% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | AETNA | $7K | — | $7K | 3.56% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 752654118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $768 | $14K | 9.92% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $9K | — | $9K | 6.71% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $961 | $4K | 14.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $671 | — | $671 | 5.90% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $214 | — | $214 | 29.93% |
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 | 384 | 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) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 253 | $2.8M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 260 | $132K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $42K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $142K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $142K |
| Prescription drug | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 1 | $11K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 409 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.