| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | — | $6K | $6K | 0.24% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 8.05% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $22 | $22 | 0.01% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INS. CO | $15K | — | $15K | 11.76% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | MICHAEL LISA 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | UNITED AMERICAN INS. CO | $7K | — | $7K | 5.88% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $1K | — | $1K | 4.23% |
| DEWITT STERN GROUP PLANNING SERVICE3 Filed as: DEWITT STERN | 420 LEXINGTON AVE, #2700 NEW YORK, NY 10170 | FEDERAL INSURANCE COMPANY | $289 | — | $289 | 19.27% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 227 | $2.8M |
| Dental | AETNA LIFE INSURANCE CO. | 227 | $2.6M |
| Vision | VISION SERVICE PLAN | 152 | $34K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 170 | $153K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 170 | $153K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 170 | $153K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 227 | $2.8M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 170 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.