| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $385K | — | $385K | 1.50% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA HEALTH, INC | $133K | — | $133K | 1.40% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $143K | $44K | $187K | 6.14% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $100K | — | $100K | 3.46% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $7K | — | $7K | 1.33% |
| JOHN L. VORBACH CO INC3 Filed as: JOHN CRABLE | CORPORATE SYNERGIES 360 MADISON AVE, FL 15 NEW YORK, NY 10017 | BANNER LIFE INSURANCE COMPANY | $8K | — | $8K | 5.63% |
| DYE & ESKIN INC3 | 1324 VINCENT PL MCLEAN, VA 22101 | BANNER LIFE INSURANCE COMPANY | $7K | — | $7K | 4.85% |
| MAIN FINANCIAL SERVICES3 | 1300 ENTERPRISE DR WESTCHESTER, PA 19380 | BANNER LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| JIM FRENCH3 | 737 BISHOP ST. SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $1K | — | $1K | 2.96% |
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 | 2,694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 5,150 | $28.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,150 | $28.6M |
| Vision | VISION SERVICE PLAN | 2,195 | $501K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,694 | $3.5M |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,694 | $3.3M |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,694 | $3.3M |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 3 | $40K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,871 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,150 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.