| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $39K | $39K | 3.35% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 1.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS-ALLIANT INC | 6430 ROCKLEDGE DR SUITE 504 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 1.39% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE MT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 14.65% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $8K | 11.05% |
| TRACY L BOULINE3 | 301 LINDEN SHADE COURT MILLERSVILLE, MD 21108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.14% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $144 | $1K | 1.68% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H MARSTELLER LV | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $996 | $102 | $1K | 1.58% |
| ERNESTO MCKENZIE JR3 | 8618 CHESTNUT RIDGE DR LAUREL, MD 20707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $887 | — | $887 | 1.27% |
| GREG W WOOLLEY3 Filed as: GREG W WOOLEY | 15492 CLIFFVIEW DR MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $38 | $354 | 0.51% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH RD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | $21 | $316 | 0.45% |
| TRACEY HAMILTON3 | 2098 ST JAMES RD MARRIOTTSVILLE, MD 21104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $97 | $198 | 0.28% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES MT LAUREL, NJ | PO BOX 654118 DALLAS, TX 75265 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $866 | — | $866 | 9.03% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 188 | $10K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $1.2M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 73 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.