| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | ORLANDO LOCATION 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 12.74% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 5.25% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP INC | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.74% |
| TRUST MANAGEMENT GROUP3 | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $916 | — | $916 | 4.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $540 | — | $540 | 2.94% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $376 | — | $376 | 2.05% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 229 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 452 | $128K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 452 | $128K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 452 | $128K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 452 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
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.