| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $2K | $18K | 12.31% |
| BARBARA A DETZ3 | 7 DEWBERRY CT MECHANICSBURG, PA 17055 | AFLAC | $19K | $1K | $20K | 15.13% |
| MJ INSURANCE3 Filed as: JOHN T CAPOZZI & VARIOUS AGENTS | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $3K | $12 | $3K | 1.95% |
| SHAYNE L BRANDENBURG3 | 17765 ROUTE 954 HWY N HOME, PA 15747 | AFLAC | $2K | $221 | $2K | 1.93% |
| MICHAEL H FLEMING3 | 11186 BROKERS LN IRWIN, PA 15642 | AFLAC | $2K | $215 | $2K | 1.92% |
| BRIAN SHOCKLEY3 | 12941 MOTTER RD OCEAN CITY, MD 21842 | AFLAC | $625 | — | $625 | 0.48% |
| ANDREW POWELL3 | 1 PERSIMMON DR BOILING SPRINGS, PA 17007 | AFLAC | $562 | — | $562 | 0.43% |
| JOHN E HRIVNAK3 | 3900 INDUSTRIAL PARK DR STE 11 ALTOONA, PA 16602 | AFLAC | $423 | — | $423 | 0.33% |
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 | 491 | 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) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 576 | $147K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 576 | $147K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 576 | $147K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 576 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.