| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $18K | $43K | 2.58% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES -MT. LAUREL, NJ | PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. COMPANY OF AMERICA | $36K | — | $36K | 10.19% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. COMPANY OF AMERICA | $8K | — | $8K | 2.24% |
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 | 4,808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 9,378 | $3.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INS. COMPANY OF AMERICA | 7,894 | $353K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,789 | $1.7M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,789 | $1.7M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,789 | $1.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,789 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,378 | — |
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."
No prospect flags tripped on this filing.