| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVER - SUITE 200 CAMDEN, NJ 08103 | HORIZON HEALTHCARE SERVICES, INC. | $194K | — | $194K | 3.79% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA NEWARK, NJ 07105 | SYMETRA LIFE INSURANCE COMPANY | $13K | — | $13K | 6.23% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | SYMETRA LIFE INSURANCE COMPANY | $10K | — | $10K | 4.57% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $2K | — | $2K | 4.04% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA STE 200 CAMDEN, NJ 08103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.24% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY 4TH FLOOR WHITE PLAINS, NY 10601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $484 | — | $484 | 4.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS INC | 4000 MIDLANTIC DR MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | — | $195 | 1.84% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.26% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| KABAY FRANK3 | 1438 COLWELL LN APT 303 CONCHOHOCKEN, PA 194281183 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA STE 200 CAMDEN, NJ 08103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $403 | — | $403 | 7.87% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA STE 200 CAMDEN, NJ 08103 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $302 | $51 | $353 | 17.30% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUA STE 200 CAMDEN, NJ 08103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $132 | — | $132 | 8.09% |
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 | 687 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 479 | $5.1M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 479 | $5.1M |
| Vision | VISION SERVICE PLAN | 454 | $41K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 640 | $213K |
| Short-term disability(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 640 | $228K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 640 | $213K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 479 | $5.1M |
| Other(6 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 640 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.