| 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 | $73K | $11K | $83K | 5.75% |
| 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 | $14K | $5K | $19K | 13.88% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $7K | 5.86% |
| THOMAS FLAGG3 Filed as: THOMAS FOSTER, INC. | 1788 FOREST DRIVE ANNAPOLIS, MD 21401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| 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 | $991 | $111 | $1K | 6.27% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES, LLC | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $793 | $86 | $879 | 5.00% |
| DAVID A. RACKLIFFE3 | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $224 | $13 | $237 | 1.35% |
| CAROL S ROBICHEAUX3 Filed as: CAROL S. ROBICHEAUX | 312 GUILBEAU LAFAYETTE, LA 70506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $139 | $29 | $168 | 0.96% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD UPPER MARLBORO, MD 20772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $1 | $89 | 0.51% |
| COLLEEN A VOGAN3 Filed as: COLLEEN A. VOGAN | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $3 | $48 | 0.27% |
| MJ INSURANCE3 Filed as: MICHAEL F. FAHEY AND VARIOUS AGENTS | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $12 | $45 | 0.26% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 294 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 437 | $112K |
| Vision | GHMSI | 294 | $1.5M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $140K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $140K |
| Prescription drug | GHMSI | 294 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.