| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DRIVE SUITE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | -$5 | $3K | $3K | 11.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 BLUE HILL PLZ PEARL RIVER, NY 109653104 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $52 | $2K | 9.45% |
| CAPACITY BENEFITS & FINANCIAL SERV3 | 1 INTERNATIONAL BLVD SUITE 340 MAWAH, NJ 07495 | METROPOLITAN LIFE INSURANCE COMPANY | $980 | $270 | $1K | 5.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN. SERV | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511814 | METROPOLITAN LIFE INSURANCE COMPANY | $940 | — | $940 | 4.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $236 | $236 | 1.04% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $23K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $23K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $23K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $23K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.