| 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 | $84K | $15K | $99K | 5.88% |
| 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 | $16K | $4K | $20K | 12.48% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $5K | $9K | 7.75% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $461 | $5 | $466 | 3.57% |
| 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 | $387 | $1 | $388 | 2.97% |
| DAVID A. RACKLIFFE3 | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $0 | $84 | 0.64% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD UPPER MARLBORO, MD 20772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.36% |
| CAROL S ROBICHEAUX3 Filed as: CAROL S. ROBICHEAUX | 312 GUILBEAU LAFAYETTE, LA 70506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.08% |
| COLLEEN A VOGAN3 Filed as: COLLEEN A. VOGAN | 5018 COBBLESTONE COURT ELLICOT CITY, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.07% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL FAHEY LLL AND OTHER AGENTS | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.02% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE | $355 | $0 | $355 | 4.18% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 327 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 422 | $110K |
| Vision | EYEMED VISION CARE | 147 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $156K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $156K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $156K |
| Prescription drug | GHMSI | 327 | $1.7M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.