| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $780 | $20K | 20.04% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $74 | $2K | 2.27% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $5K | $12K | 25.08% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG CAMDEN, NJ 08103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.19% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $35 | $1K | 2.12% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $498 | $301 | $799 | 19.93% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG CAMDEN, NJ 08103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | — | $261 | 6.51% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $2 | $67 | 1.67% |
No Schedule C service providers reported on this filing.
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 | 3,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $102K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,637 | $69K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $54K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,637 | $69K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,637 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,637 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.