| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | HORIZON HEALTHCARE SERVICES, INC. | $51K | — | $51K | 3.51% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 081034108 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 4.21% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $298 | $11K | 15.43% |
| HELEN DIZ-HATTON3 Filed as: HELEN DIZ - HATTON | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $847 | $334 | $1K | 3.14% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $979 | $127 | $1K | 2.94% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG CAMDEN, NJ 08103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $785 | — | $785 | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 PARAMUS, NJ 07653 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $380 | — | $380 | 1.01% |
| THE WORKSIGHT GROUP LLC3 | 6 ELM ST UNIT 5 MADISON, NJ 07940 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $276 | $8 | $284 | 0.76% |
| C & L REED ASSOCIATES LLC3 | AND VARIOUS AGENTS 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $256 | $11 | $267 | 0.71% |
| MAGDA ISABEL WISDOM3 | 4030 KLIEN STREET BETHLEHEM, PA 18020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.43% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 153 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 316 | $118K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 316 | $118K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $107K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 35 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $70K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 153 | $1.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.