| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NHUNG L PHAN3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.41% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $550 | — | $550 | 2.92% |
| DOUGLAS D LONERGAN3 | 24732 NORTH 109TH STREET SCOTTSDALE, AZ 85255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.28% |
| NHUNG L PHAN3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | TRUSTMARK INSURANCE COMPANY | $298 | — | $298 | 3.06% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 MT LAUREL, NJ 08054 | TRUSTMARK INSURANCE COMPANY | $180 | — | $180 | 1.85% |
| DOUGLAS D LONERGAN3 | 61644 TAM ARTHUR LOOP BEND, OR 97702 | TRUSTMARK INSURANCE COMPANY | $36 | — | $36 | 0.37% |
| NHUNG L PHAN3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $402 | — | $402 | 6.66% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | — | $156 | 2.58% |
| DOUGLAS D LONERGAN3 | 24732 NORTH 109TH STREET SCOTTSDALE, AZ 85255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.45% |
| NHUNG L PHAN3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | TRUSTMARK INSURANCE COMPANY | $304 | — | $304 | 7.27% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 MT LAUREL, NJ 08054 | TRUSTMARK INSURANCE COMPANY | $164 | — | $164 | 3.92% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $121 | — | $121 | 16.09% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 9.92% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 9.59% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 465 | $27K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 332 | $196K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 332 | $192K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 332 | $202K |
| Other(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 332 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.