| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS - KEYSTONE | $233K | — | $233K | 5.01% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS | $72K | — | $72K | 4.90% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | SYMETRA LIFE INSURANCE COMPANY | $28K | — | $28K | 8.66% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | UNITED CONCORDIA INSURANCE COMPANY | $33K | — | $33K | 10.77% |
| 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. | $6K | — | $6K | 10.77% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $124 | $19 | $143 | 17.29% |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 644 | $6.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 920 | $308K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 662 | $1.5M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 657 | $321K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 657 | $321K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 224 | $1.5M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 750 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 920 | — |
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.