| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | $137K | $201K | 4.26% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 1540 CORNERSTONE BLVD DAYTONA BEACH, FL 32117 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $24K | $24K | 0.50% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIR STE 100 MOUNT LAUREL, NJ 080544108 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | — | $35K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB SOUTHWEST | 6565 AMERICAS PARKWAY SUITE 720 ALBUQUERQUE, NM 87110 | PRESBYTERIAN INSURANCE INC. | $18K | — | $18K | 4.75% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $51K | — | $51K | 15.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 14.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | P O BOX 2412 DAYTONA BEACH, FL 32115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 9.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | P O BOX 2412 DAYTONA BEACH, FL 32115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $887 | — | $887 | 9.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | P O BOX 2412 DAYTONA BEACH, FL 32115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $507 | — | $507 | 9.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | P O BOX 2412 DAYTONA BEACH, FL 32115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $270 | — | $270 | 9.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | P O BOX 2412 DAYTONA BEACH, FL 32115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $165 | — | $165 | 10.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | P O BOX 2412 DAYTONA BEACH, FL 32115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 10.04% |
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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,826 | $6.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,826 | $4.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,826 | $4.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 796 | $338K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 796 | $338K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 796 | $338K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,826 | $6.3M |
| Other(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 796 | $523K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,826 | — |
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.
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.