| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 2.90% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIR, SUITE 100 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 2.62% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | CIGNA GROUP INSURANCE | $5K | $0 | $5K | 10.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | CIGNA GROUP INSURANCE | $3K | $0 | $3K | 10.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | CIGNA GROUP INSURANCE | $2K | $0 | $2K | 10.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 1200 LIBERTY RIDGE DRIVE SUITE 120 WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $104 | $0 | $104 | 5.09% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | CIGNA GROUP INSURANCE | — | $194 | $194 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $63K |
| CORPORATE SYNERGIES, LLC BROKER | Insurance agents and brokers Service code 22 | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | $49K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $6K |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 185 | $60K |
| Vision | VISION BENEFITS OF AMERICA | 25 | $2K |
| Life insurance | CIGNA GROUP INSURANCE | 152 | $53K |
| Short-term disability | CIGNA GROUP INSURANCE | 152 | $20K |
| Long-term disability | CIGNA GROUP INSURANCE | 152 | $34K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 115 | $327K |
| Other | CIGNA GROUP INSURANCE | 152 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.