| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORAT SYNERGIES GROUP, LLC | 200 EAST PARK DRIVE, SUITE 600 MOUNT LAUREL, NJ 08054 | HARTFORD LIFE AND ACCIDENT | $109K | $47K | $156K | 21.45% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 12.96% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | BLUECROSS BLUESHIELD OF NEW MEXICO | $1K | — | $1K | 2.72% |
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 | 1,909 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 71 | $832K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $99K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,909 | $729K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,909 | $729K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,909 | $729K |
| Prescription drug(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 71 | $732K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,909 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,909 | — |
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.