| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $47K | $51K | 2.09% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 13.86% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $7K | $661 | $8K | 11.96% |
| DAVID SCHENKEL JR3 | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $2K | $215 | $2K | 3.34% |
| STEFANIE LYNN RISHTY3 | 9702 BRIXTON LN BETHESDA, MD 20817 | AFLAC | $1K | $190 | $1K | 2.08% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $837 | — | $837 | 1.27% |
| SUSAN BUCKA3 | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $387 | $215 | $602 | 0.92% |
| MJ INSURANCE3 Filed as: NICOLE DRESNER AND VARIOUS AGENTS | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $431 | — | $431 | 0.66% |
| VICTORIA SHAFER3 | 303 SUNRISE CT BERLIN, MD 21811 | AFLAC | $214 | $41 | $255 | 0.39% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $1K | — | $1K | 5.04% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | STE 1950 200 GALLERIA PARKWAY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $379 | -$134 | $245 | 1.66% |
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 | 199 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 160 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 160 | $2.4M |
| Vision | VISION SERVICE PLAN | 180 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $132K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $132K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $147K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.