| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHAN NHUNG LE3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $850 | — | $850 | 6.42% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $387 | — | $387 | 2.92% |
| LONERGAN DOUGLAS D3 | COMMUNICATION PARTNERS INC 24732 NORTH 109TH STREET SCOTTSDALE, AZ 85255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.30% |
| NHUNG L PHAN3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | TRUSTMARK INSURANCE COMPANY | $227 | — | $227 | 2.85% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | TRUSTMARK INSURANCE COMPANY | $136 | — | $136 | 1.71% |
| DOUGLAS D LONERGAN3 | 61644 TAM ARTHUR LOOP BEND, OR 97702 | TRUSTMARK INSURANCE COMPANY | $26 | — | $26 | 0.33% |
| PHAN NHUNG LE3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $292 | — | $292 | 6.57% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 2.68% |
| LONERGAN DOUGLAS D3 | COMMUNICATION PARTNERS INC 24732 NORTH 109TH STREET SCOTTSDALE, AZ 85255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.43% |
| NHUNG L PHAN3 | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | TRUSTMARK INSURANCE COMPANY | $244 | — | $244 | 6.79% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | TRUSTMARK INSURANCE COMPANY | $131 | — | $131 | 3.64% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 244 | $25K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 304 | $205K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 304 | $201K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 304 | $209K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 299 | $343K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 304 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.