| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NHUNG LE PHAN3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.40% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $646 | — | $646 | 2.91% |
| DOUGLAS D LONERGAN3 | 61644 TAM MCARTHUR LOOP BEND, OR 97702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.28% |
| NHUNG LE PHAN3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | TRUSTMARK INSURANCE COMPANY | $377 | — | $377 | 3.10% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | TRUSTMARK INSURANCE COMPANY | $227 | — | $227 | 1.86% |
| DOUGLAS D LONERGAN3 | 61644 TAM MCARTHUR LOOP BEND, OR 97702 | TRUSTMARK INSURANCE COMPANY | $44 | — | $44 | 0.36% |
| NHUNG LE PHAN3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $508 | — | $508 | 7.29% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $206 | — | $206 | 2.96% |
| DOUGLAS D LONERGAN3 | 61644 TAM MCARTHUR LOOP BEND, OR 97702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.43% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $642 | — | $642 | 11.19% |
| NHUNG LE PHAN3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | TRUSTMARK INSURANCE COMPANY | $339 | — | $339 | 7.16% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MOUNT LAUREL, NJ 08054 | TRUSTMARK INSURANCE COMPANY | $183 | — | $183 | 3.87% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109 | — | $109 | 10.24% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 10.06% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 531 | $34K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 376 | $197K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 376 | $192K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 376 | $205K |
| Prescription drug | HIGHMARK | 54 | $38K |
| Other(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 376 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.