| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $149K | $4K | $153K | 18.25% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 1 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $11K | 11.68% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 1 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 11.82% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 1 AQUARIUM DRIVE, SUITE 100 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $850 | $5K | 11.89% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 1 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $534 | $3K | 11.83% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 506 | $837K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 506 | $837K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 506 | $837K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $93K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $76K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 506 | $837K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.