| 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 | 4.92% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $0 | $32K | 119.18% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 11.62% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 11.59% |
| CORPORATE SYNERGIES GROUP LLC3 | 1055 WESTLAKES ROAD, SUITE 300 BERWYN, PA 19312 | VISION BENEFITS OF AMERICA | $427 | $0 | $427 | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $110 | $0 | $110 | 11.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $70K |
| CORPORATE SYNERGIES, LLC BROKER | Insurance agents and brokers Service code 22 | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | $53K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
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 | 72 | 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) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 192 | $78K |
| Vision | VISION BENEFITS OF AMERICA | 77 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1 | $27K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1 | $17K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 99 | $437K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.