| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CAREFIRST BLUECHOICE, INC | — | $11K | $11K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 545 METRO PLACE S STE 150 DUBLIN, OH 43017 | CAREFIRST BLUECHOICE, INC | — | $11K | $11K | 2.50% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $23K | 15.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | STE 350 15800 CRABBS BRCH WAY ROCKVILLE, MD 20855 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $322 | $322 | 0.22% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $2K | $11K | 11.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | STE 350 15800 CRABBS BRCH WAY ROCKVILLE, MD 20855 | STARMOUNT LIFE INSURANCE COMPANY | $886 | — | $886 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | — | $231 | $231 | 0.24% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 18.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | STE 350 15800 CRABBS BRCH WAY ROCKVILLE, MD 20855 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.79% |
| HEALY, ALFRED, J3 | 811 BETHLEHEM PK GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 1.33% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | INC 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | STE 1950 200 GALLERIA PARKWAY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.65% |
| RUST INSURANCE AGENCY LLC3 | 1510 H ST NW 5TH FL WASHINGTON, DC 20005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.44% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC | 191 | $437K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 122 | $98K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 122 | $98K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $156K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $144K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $144K |
| Prescription drug | CAREFIRST BLUECHOICE, INC | 191 | $437K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.