| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | DELTA DENTAL OF PENNSYLVANIA | $19K | — | $19K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $3K | $35K | 11.14% |
| GROSS, ARYEH3 | STE 514 600 REISTERSTOWN ROAD BALTIMORE, MD 21208 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.99% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $402 | — | $402 | 0.13% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $10K | — | $10K | 13.81% |
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 | 1,243 | 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) | 1,248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 830 | $6.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,151 | $371K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 830 | $5.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,438 | $317K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,438 | $317K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,438 | $317K |
| Prescription drug | KEYSTONE | 240 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,521 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,521 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.