| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE STE 100 MOUNT LAUREL, NJ 08054 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 8.89% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE STE 100 MOUNT LAUREL, NJ 08054 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 8.84% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE STE 100 MT LAUREL, NJ 08054 | STANDARD INSURANCE COMPANY | $888 | $0 | $888 | 8.93% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 1055 WESTLAKES ROAD, SUITE 300 BERWYN, PA 19312 | VISION BENEFITS OF AMERICA | $930 | $0 | $930 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $57K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $18K |
| 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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 0 | $0 |
| Vision | VISION BENEFITS OF AMERICA | 119 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 159 | $33K |
| Short-term disability | STANDARD INSURANCE COMPANY | 125 | $30K |
| Long-term disability | STANDARD INSURANCE COMPANY | 29 | $10K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 140 | $327K |
| Other | STANDARD INSURANCE COMPANY | 159 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.