| 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 | GHMSI | $71K | $20K | $91K | 5.41% |
| RICHARD G MCGOWAN3 Filed as: RICHARD J. PRINCINSKY AND ASSOC. | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | GHMSI | $13K | $80 | $13K | 0.80% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 1.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 0.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $875 | $875 | 0.48% |
| DONALD R RAJALA Filed as: DONALD RAJALA | 1802 GREENBLADE COURT BEL AIR, MD 21015 | AFLAC | $17K | $622 | $18K | 12.44% |
| KINBERLY LUSHBAUGH AND OTHER AGENTS3 | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $3K | $0 | $3K | 2.31% |
| RICKY E ROBINSON3 Filed as: RICKY ROBINSON | 934 SWEENEY DRIVE, SUITE ONE HAGERSTOWN, MD 21740 | AFLAC | $3K | $117 | $3K | 1.91% |
| EDWARD ANDERSON JR3 Filed as: EDWARD ANDERSON JR. | 10003 RIDER COURT HAGERSTOWN, MD 21740 | AFLAC | $2K | $7 | $2K | 1.31% |
| MARK JOHNSTON3 | 934 SWEENEY DRIVE, SUITE 8 HAGERSTOWN, MD 21740 | AFLAC | $1K | $0 | $1K | 1.02% |
| ARON D TERAN3 Filed as: ARON TERAN | 3684 HOLBORN PLACE FREDERICK, MD 21704 | AFLAC | $847 | $124 | $971 | 0.68% |
| SUSAN S STRICKLAND3 Filed as: SUSAN STRICKLAND | 2194 SUGARLOAF PARKVIEW LANE CLARKSBURG, MD 20871 | AFLAC | $702 | $0 | $702 | 0.49% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 10.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | ONEAMERICA | $1K | $0 | $1K | 5.27% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 347 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 464 | $183K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 464 | $183K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 287 | $99K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 287 | $99K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 287 | $99K |
| Prescription drug | GHMSI | 347 | $1.7M |
| Other(4 contracts, 4 carriers) | AFLAC | 302 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.