| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | $275K | $0 | $275K | 1.90% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | $0 | $24K | $24K | 0.17% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $85K | $68K | $154K | 15.52% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $6K | $38K | 5.45% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $11 | $16K | 9.87% |
| IBENEFITS3 Filed as: IBENEFITS LLC | 1030 FERRY ROAD DOYLESTOWN, PA 18901 | UNITEDHEALTHCARE INSURANCE COMPANY | -$278 | $0 | -$278 | -0.17% |
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 | 2,505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 1,612 | $14.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,453 | $703K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,104 | $164K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,505 | $991K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,505 | $991K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,505 | $991K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 1,612 | $14.5M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,505 | $991K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,505 | — |
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.