| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $47K | $47K | 7.29% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $53 | $15K | 12.37% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 28.63% |
| PATRICIA CUTHBERT3 Filed as: PATRICIA ELIZABETH CUTHBERT | 530 WEST ST ORMOND BEACH, FL 321745228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 16.98% |
| JEFFREY BRET HAWKINS3 | 4667 SECRET RIVER TR PORT ORANGE, FL 321298994 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | — | $196 | 2.52% |
| JACQUELYN M RECTOR3 | 1104 S DAYTONA AVE FLAGLER BEACH, FL 32136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 2.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, | INC 83 N PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.12% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $288 | — | $288 | 8.52% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $647K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $121K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $118K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $118K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $118K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $118K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.