| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 3150 RED BERRY CT DELTONA, FL 32725 | UNITED HEALTHCARE INSURANCE COMPANY | $112K | — | $112K | 4.58% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 3.07% |
| CORPORATE SYNERGIES GROUP LLC3 | 3150 RED BERRY CT DELTONA, FL 32725 | UNITED HEALTHCARE INSURANCE COMPANY | -$1K | — | -$1K | -0.32% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BLDG 2 AQUARIUM DR CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $2K | $44K | 19.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.92% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 3.78% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | METROPOLITAN LIFE INSURANCE COMPANY | $431 | — | $431 | 0.30% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | METROPOLITAN LIFE INSURANCE COMPANY | $111 | $48 | $159 | 0.67% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 500 DEARBORNE CIRCLE MOUNT LAUREL, NJ 08054 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.10% |
| ONE DIGITALDBA DIGITAL INSURANCE3 | 11710 PLAZA AMERICA DR, SUITE 2000 RESTON, VA 20191 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $182 | — | $182 | 0.90% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 111 | $2.8M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $169K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 111 | $374K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $257K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $24K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $228K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.