| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBDI, INC.3 | 9 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $6K | $25K | 8.85% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 0.95% |
| TRIESTER ROSSMAN & ASSOC INC3 Filed as: TRIESTER ROSSMAN AND ASSOCIATES | PO BOX 230 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.10% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.02% |
| BUSINESS PLANNING, INC.3 Filed as: BUSINESS PLANNING COMPANY | 7645 GATE PARKWAY, SUITE 101 JACKSONVILLE, FL 32256 | AETNA LIFE INSURANCE COMPANY | $843 | — | $843 | 2.32% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 29 | $36K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 674 | $285K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 674 | $285K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 674 | $285K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 674 | $285K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 674 | $285K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 29 | $36K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 674 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.