| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 4.81% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $854 | $8K | 11.15% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 24500 CHARGIN BLVD BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.49% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $95 | $5K | 10.20% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 24500 CHARGIN BLVD BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 2.50% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $811 | $4K | 12.92% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $682 | $682 | 2.46% |
| CORPORATE SYNERGIES GROUP LLC3 | 1055 WESTLAKES ROAD, SUITE 300 BERWYN, PA 19312 | VISION BENEFITS OF AMERICA | $499 | $0 | $499 | 5.36% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $275 | $25 | $300 | 10.89% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $69 | $69 | 2.51% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42 | $0 | $42 | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS (IA) EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $75K |
| CORPORATE SYNERGIES, LLC EIN 20-1622581 BROKER | Insurance agents and brokers Service code 22 | — | $54K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $29K |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 189 | $83K |
| Vision | VISION BENEFITS OF AMERICA | 90 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $74K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $49K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY | 111 | $513K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.