| 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 | $17K | $3K | $20K | 12.10% |
| DESTINY NICOLE THOMAS3 | 28 E MAIN ST APT 1 WAYNESBORO, PA 17268 | AFLAC | $6K | $187 | $7K | 4.30% |
| BARBARA A DETZ3 | 510 BRIGHTON PL MECHANICSBURG, PA 17055 | AFLAC | $6K | — | $6K | 3.94% |
| ADAM N STEINEL3 | 7546 STATE ROUTE 30 STE 3 IRWIN, PA 15642 | AFLAC | $4K | — | $4K | 2.88% |
| SHAYNE L BRANDENBURG3 | 17765 ROUTE 954 HWY N HOME, PA 15747 | AFLAC | $4K | — | $4K | 2.55% |
| ROBERT D BURTON3 | 550 SOUTH AVE VERONA, PA 15147 | AFLAC | $4K | — | $4K | 2.36% |
| MICHAEL H FLEMING3 | 7546 STATE ROUTE 30 THIRD FLOOR IRWIN, PA 15642 | AFLAC | $3K | $9 | $3K | 1.83% |
| ANDREW POWELL3 | AND VARIOUS AGENTS 1 PERSIMMON DR BOILING SPRINGS, PA 17007 | AFLAC | $2K | — | $2K | 1.53% |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 677 | $165K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 677 | $165K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 677 | $165K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 677 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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.