| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR #200 CAMDEN, NJ 08103 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 5.53% |
| ADP INC3 | CLIENT KIMBALL INTL PO BOX 842875 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.17% |
| ADP INC3 | ATTN CLIENT AR #63113 PO BOX 842875 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 0.94% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP LLC. | 2 AQUARIUM DRIVE, STE 200 CAMDEN, NJ 08103 | VISION BENEFITS OF AMERICA | $676 | — | $676 | 5.00% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BALLFIELD COURT HOCKESSIN, DE 19707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | — | $278 | 2.75% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM LOOP DR STE 200 CAMDEN, NJ 08103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | — | $233 | 2.30% |
| DOUGLAS ROBERT BORLAND3 | 658 ASHLEY HILL RD MANSFIELD, PA 16933 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 1.21% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LN BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.98% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.85% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DR NW BONDURANT, IA 50035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.19% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 121 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 167 | $150K |
| Vision | VISION BENEFITS OF AMERICA | 92 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 167 | $150K |
| Short-term disability | STANDARD INSURANCE COMPANY | 167 | $150K |
| Long-term disability | STANDARD INSURANCE COMPANY | 167 | $150K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 167 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.