| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $116K | — | $116K | 3.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | HARTFORD LIFE AND ACCIDENT | $20K | $2K | $22K | 11.19% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.51% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | HEARTLAND | $3K | — | $3K | 10.00% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: C H ROBINSON ASSOC AND OTHER AGENTS | 4623 NW 53RD AVENUE, SUITE 1A GAINSVILLE, FL 32653 | AFLAC | $160 | $11 | $171 | 3.91% |
| JONATHON R SEELE3 Filed as: JONATHON R. SEELE | 60 BYRON NELSON CIRCLE ETTERS, PA 17319 | AFLAC | $88 | $23 | $111 | 2.54% |
| C A LUPP INC3 Filed as: C A LUPP, INC. | 940 EAST PARK DRIVE, SUITE 301 HARRISBURG, PA 17111 | AFLAC | $43 | $12 | $55 | 1.26% |
| CRAWFORD ADVISORS, LLC3 | 280 GRANITE RUN DRIVE, SUITE 250 LANCASTER, PA 17601 | AFLAC | $46 | — | $46 | 1.05% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER A. LUPP | 441 FRIENDSHIP ROAD, SUITE 102 HARRISBURG, PA 17111 | AFLAC | $41 | — | $41 | 0.94% |
| DEBRA L CARL3 Filed as: DEBRA L. CARL | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | AFLAC | $33 | — | $33 | 0.76% |
| KL GOOD BENEFITS LLC3 Filed as: KL GOOD BENEFITS, LLC | 230 DANIELLE COURT YORK, PA 17404 | AFLAC | $29 | — | $29 | 0.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCKONLY AND ASBURY, LLP EIN 23-1909723 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $0 |
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 | 499 | 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) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 392 | $3.9M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 635 | $180K |
| Vision | HEARTLAND | 672 | $33K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 491 | $235K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 491 | $231K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 491 | $231K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 392 | $3.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 491 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.