| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $67K | $78K | 4.55% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.13% |
| HEARTLAND BENEFITS INC3 | 3214 US HIGHWAY 27 S SEBRING, FL 33870 | AFLAC | $18K | $405 | $18K | 10.57% |
| DIANA MARIE CASEY3 | AND VARIOUS AGENTS 3214 US HIGHWAY 27 S SEBRING, FL 33870 | AFLAC | $5K | $23 | $5K | 2.92% |
| STEFAN E SCHULT3 | 4216 EILAND DR SEBRING, FL 33875 | AFLAC | $3K | $5 | $3K | 1.79% |
| RHONDA R BUCKNER3 | 500 FOREST RD GADSDEN, AL 35901 | AFLAC | $2K | $26 | $2K | 1.25% |
| MICHELE K WILLEY3 | 122 E MAIN ST 185 LAKELAND, FL 33801 | AFLAC | $2K | $94 | $2K | 1.07% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $1K | — | $1K | 0.74% |
| GILBERTO A RINCON3 | 6318 HICKORY LEAF PL LAKELAND, FL 33813 | AFLAC | $1K | $81 | $1K | 0.69% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.89% |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $1.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $49K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $49K |
| Other(2 contracts, 2 carriers) | AFLAC | 297 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.