| 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 | $91K | $78 | $91K | 5.00% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP, INC. | 600 WASHINGTON AVENUE, SUITE 104 TOWSON, MD 21204 | GHMSI | $0 | $19K | $19K | 1.06% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $5K | $30K | 12.17% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $0 | $4K | 2.09% |
| DONALD R RAJALA3 Filed as: DONALD RAJALA | 1802 GREENBLADE COURT BEL AIR, MD 21015 | AFLAC | $753 | $0 | $753 | 14.80% |
| EDWARD ANDERSON JR3 Filed as: EDWARD ANDERSON JR. | 10003 RIDER COURT HAGERSTOWN, MD 21740 | AFLAC | $138 | $0 | $138 | 2.71% |
| THOMAS ASSOCIATES LLC3 Filed as: THOMAS ASSOC. LLC AND VARIOUS AGENT | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | AFLAC | $97 | $0 | $97 | 1.91% |
| MARK JOHNSTON3 | 124 UNDERKE TERRACE HEDGESVILLE, WV 25427 | AFLAC | $74 | $0 | $74 | 1.45% |
| RICKY E ROBINSON3 Filed as: RICKY ROBINSON | 934 SWEENEY DRIVE, SUITE ONE HAGERSTOWN, MD 21740 | AFLAC | $72 | $0 | $72 | 1.42% |
| KIMBERLY L LUSHBAUGH3 Filed as: KIMBERLY LUSHBAUGH | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $20 | $0 | $20 | 0.39% |
| ARON D TERAN3 Filed as: ARON TERAN | 3812 CARRIAGE HILL DRIVE FREDERICK, MD 21704 | AFLAC | $20 | $0 | $20 | 0.39% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 319 | $1.8M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 451 | $193K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 451 | $193K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $249K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $249K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $249K |
| Prescription drug | GHMSI | 319 | $1.8M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 396 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.