| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | — | $201 | $201 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 200 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.25% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.56% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $27 | $27 | 0.01% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $17K | — | $17K | 11.76% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 5000 DEARBORN CIRCLE MOUNT LAUREL, NJ 08054 | UNITED AMERICAN INSURANCE COMPANY | $9K | — | $9K | 5.88% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ELIXIR INSURANCE COMPANY | $7K | — | $7K | 5.06% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 5000 DEARBORN CIRCLE MOUNT LAUREL, NJ 08054 | ELIXIR INSURANCE COMPANY | $4K | — | $4K | 3.25% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $2K | — | $2K | 4.58% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $649 | — | $649 | 10.22% |
| CORPORATE SYNERGIES GROUP LLC4 Filed as: CORPORATE SYNERGIES GROUP | STE 100 5000 DEARBORN CIR MOUNT LAUREL, NJ 08054 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $506 | — | $506 | 7.97% |
| NEW CHARTERS LLC4 | PO BOX 8927 ELIZABETH, NJ 07201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $55 | — | $55 | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR GALLAGHER RISK MANAGEMENT | SERVICES LLC 1667 K ST NW SUITE 1270 WASHINGTON, DC 20006 | FEDERAL INSURANCE COMPANY | $225 | $29 | $254 | 16.93% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 211 | $3.5M |
| Dental | AETNA LIFE INSURANCE CO. | 211 | $3.3M |
| Vision | VISION SERVICE PLAN | 152 | $34K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 176 | $196K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 176 | $196K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 176 | $196K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 211 | $3.5M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 176 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.