| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $46K | $46K | 3.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$48 | -$48 | -0.00% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.70% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $628 | $628 | 0.76% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.03% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | -$52 | — | -$52 | -0.06% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 74 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $83K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $83K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $83K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $83K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $83K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 74 | $1.5M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.