| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $1K | $1K | $2K | 12.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $2K | $542 | $2K | 11.86% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $70 | $78 | $148 | 12.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $109 | $36 | $145 | 12.18% |
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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 275 | $19K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 275 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.