| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 9.94% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | AETNA LIFE INCURANCE CO. | — | $15 | $15 | 0.02% |
| JONATHON R SEELE3 | 60 BYRON NELSON CIR ETTERS, PA 17319 | AFLAC | $861 | — | $861 | 6.24% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $328 | — | $328 | 2.38% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $269 | — | $269 | 1.95% |
| C H ROBINSON & ASSOCIATES INC3 | 9969 NW 16TH RD GAINESVILLE, FL 32606 | AFLAC | $214 | — | $214 | 1.55% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | PO BOX 900 CAMP HILL, PA 17001 | AFLAC | $170 | — | $170 | 1.23% |
| WILLIAM L MURRAY JR3 | AND VARIOUS AGENTS 604 HERITAGE CT MECHANICSBURG, PA 17050 | AFLAC | $58 | — | $58 | 0.42% |
| KAREN L STEYERS3 | 110 FOX RD PALMYRA, PA 17078 | AFLAC | $42 | — | $42 | 0.30% |
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 | 160 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INCURANCE CO. | 253 | $68K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 219 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $68K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $68K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $68K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.