| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 10.02% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INS. ADMIN., INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 4.98% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $0 | $3K | 2.51% |
| AMERICAN INS. ADMINISTRATORS, INC.3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 2.11% |
| CORPORATE SYNERGIES GROUP LLC3 | ONE HUNTINGTON QUADRANGLE SUITE 4N02 MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $621 | $0 | $621 | 2.07% |
| AMERICAN INS. ADMINISTRATORS, INC.3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $121 | $0 | $121 | 0.40% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | $0 | $14 | 0.05% |
| CORPORATE SYNERGIES GROUP LLC3 | 1055 WESTLAKES ROAD, SUITE 300 BERWYN, PA 19312 | VISION BENEFITS OF AMERICA | $757 | $0 | $757 | 3.00% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 327 | $102K |
| Vision | VISION BENEFITS OF AMERICA | 224 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 353 | $176K |
| Short-term disability | STANDARD INSURANCE COMPANY | 353 | $176K |
| Long-term disability | STANDARD INSURANCE COMPANY | 353 | $176K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 353 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.