| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NHUNG LE PHAN3 | 102 LIBERTY AVENUE 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 | $573 | — | $573 | 2.91% |
| DOUGLAS D LONERGAN3 Filed as: DOUGLAS D. LONERGAN | 61644 TAM MCARTHUR LOOP BEND, OR 97702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.28% |
| NHUNG LE PHAN3 | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | TRUSTMARK INSURANCE COMPANY | $334 | — | $334 | 3.09% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | TRUSTMARK INSURANCE COMPANY | $201 | — | $201 | 1.86% |
| DOUGLAS D LONERGAN3 Filed as: DOUGLAS D. LONERGAN | 61644 TAM MCARTHUR LOOP BEND, OR 97702 | TRUSTMARK INSURANCE COMPANY | $39 | — | $39 | 0.36% |
| NHUNG LE PHAN3 | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $451 | — | $451 | 7.30% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 2.96% |
| DOUGLAS D LONERGAN3 Filed as: DOUGLAS D. LONERGAN | 61644 TAM MCARTHUR LOOP BEND, OR 97702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.44% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $569 | — | $569 | 11.19% |
| NHUNG LE PHAN3 | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | TRUSTMARK INSURANCE COMPANY | $301 | — | $301 | 7.17% |
| CORPORATE SYNERGIES GROUP LLC5 | 5000 DEARBORN CIRCLE, SUITE 100 MT LAUREL, NJ 08054 | TRUSTMARK INSURANCE COMPANY | $162 | — | $162 | 3.86% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97 | — | $97 | 10.28% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 9.97% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 471 | $30K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 334 | $175K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 334 | $171K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 334 | $181K |
| Other(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 334 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.