| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | GHMSI | $68K | $16K | $84K | 6.19% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $3K | $16K | 12.30% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $526 | $4K | 4.60% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $440 | $440 | 0.48% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $657 | $4K | 28.63% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES, LLC | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $659 | $3K | 16.51% |
| CAROL S ROBICHEAUX3 Filed as: CAROL S. ROBICHEAUX | 312 GUILBEAU LAFAYETTE, LA 70506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $737 | $139 | $876 | 5.73% |
| DAVID A. RACKLIFFE3 | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $764 | $67 | $831 | 5.44% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD UPPER MARLBORO, MD 20772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $409 | $41 | $450 | 2.94% |
| COLLEEN A VOGAN3 Filed as: COLLEEN A. VOGAN | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $214 | $44 | $258 | 1.69% |
| MJ INSURANCE3 Filed as: MICHAEL F. FAHEY AND VARIOUS AGENTS | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $184 | $69 | $253 | 1.66% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 265 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $92K |
| Vision | GHMSI | 265 | $1.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $128K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $128K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $128K |
| Prescription drug | GHMSI | 265 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.