| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 | 402 STATE AVE. EMMAUS, PA 18049 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 10.20% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $4K | $10K | 8.41% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVENUE EMMAUS, PA 18049 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 5.61% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR. CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | — | $4K | $4K | 3.67% |
| EQUINOX BENEFITS SOLUTIONS LLC3 Filed as: EQUINOX BENEFITS SOLUTIONS | 267 KENTLANDS BLVD., STE. 515 GAITHERSBURG, MD 20878 | METLIFE LEGAL PLANS | $626 | $34 | $660 | 11.51% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVE. EMMAUS, PA 180493026 | METROPOLITAN LIFE INSURANCE COMPANY | $641 | — | $641 | 11.57% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR., STE. 200 CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $276 | $20 | $296 | 5.34% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $34 | $25 | $59 | 1.07% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG. 2 AQUARIUM DR., STE. 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $206 | $21 | $227 | 16.52% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 284 | $114K |
| Vision | AETNA LIFE INSURANCE CO. | 284 | $114K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $123K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $123K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $123K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.