| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | SYMETRA LIFE INSURANCE COMPANY | $54K | — | $54K | 17.30% |
| NATIONAL CAPITAL INS AGENCY LL3 | 840 FIRST STREET NE WASHINGTON, DC 20065 | SYMETRA LIFE INSURANCE COMPANY | — | $13K | $13K | 4.06% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LL | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | SYMETRA LIFE INSURANCE COMPANY | -$321 | $3K | $3K | 0.86% |
| NATIONAL BENEFITS CENTER LLC3 | 3700 PARK E DRIVE #350 BEACHWOOD, OH 44122 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 0.37% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | SYMETRA LIFE INSURANCE COMPANY | — | $33 | $33 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $38 | $12K | 7.04% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 212093875 | METROPOLITAN LIFE INSURANCE COMPANY | $530 | $75 | $605 | 0.36% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP LLC. | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 481 | $170K |
| Vision | VISION BENEFITS OF AMERICA | 201 | $29K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 245 | $311K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 245 | $311K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 245 | $311K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 553 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.