| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - NEW YORK | METRO 1212 AVENUE OF THE AMERICAS FL 9 NEW YORK, NY 100361624 | UNITEDHEALTHCARE INSURANCE COMPANY | $241K | — | $241K | 3.50% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | PRINCIPAL LIFE INSURANCE COMPANY | $44K | — | $44K | 7.17% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $8K | $8K | 1.25% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | — | $21K | 5.17% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - NEW YORK | METRO 1212 AVENUE OF THE AMERICAS FL 9 NEW YORK, NY 100361624 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $3K | $30K | 8.88% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | ATTN AGENT/BROKER LICENSING UNIT 9690 DEERECO ROAD TIMONIUM, MD 21093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 29.43% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 SUITE 100 CAMDEN, NJ 08103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.58% |
| REUBEN WARNER ASSOCIATES, INC.4 Filed as: THE L WARNER COMPANIES INC | STE 650 9690 DEERECO RD LUTHERVILLE TIMONIUM, MD 21093 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $932 | — | $932 | 16.99% |
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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 559 | $7.3M |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 375 | $753K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 715 | $1.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 715 | $618K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 715 | $618K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 715 | $618K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 559 | $6.9M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 715 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 715 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.