| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 5000 DEARBORN CIR STE 100 MT LAUREL, NJ 08054 | HEALTH OPTIONS | $33K | — | $33K | 5.02% |
| M.E. WILSON COMPANY, LLC3 | P.O. BOX 373 TAMPA, FL 33601 | HEALTH OPTIONS | $6K | — | $6K | 0.98% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 5000 DEARBORN CIR STE 100 MT LAUREL, NJ 08054 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 5.06% |
| M.E. WILSON COMPANY, LLC3 Filed as: M. E. WILSON COMPANY, LLC | P.O. BOX 373 TAMPA, FL 33601 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 0.94% |
| CORPORATE SYNERGIES GROUP LLC | 5000 DEARBORN CIR STE 100 MT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 8.39% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | P. O. BOX 373 TAMPA, FL 33601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $317 | — | $317 | 0.38% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $408 | $2K | 13.45% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E WILSON COMPANY, LLC | 300 W PLATT ST #200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $196 | — | $196 | 1.10% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 110 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $84K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $84K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 45 | $18K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 110 | $1.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 45 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.