| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR #200 CAMDEN, NJ 08103 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 7.94% |
| ADP INC3 | ATTN CLIENT AR #1081825 PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.20% |
| ADP INC3 | RTHO - ATTN C5 PO BOX 711 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $778 | $778 | 0.47% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP LLC. | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | VISION BENEFITS OF AMERICA | $641 | — | $641 | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM LOOP DR STE 200 CAMDEN, NJ 08103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $2 | $332 | 3.10% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LN BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $40 | $307 | 2.87% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BALLFIELD COURT HOCKESSIN, DE 19707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | — | $286 | 2.67% |
| DOUGLAS ROBERT BORLAND3 | 658 ASHLEY HILL RD MANSFIELD, PA 16933 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 1.20% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.82% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DR NW BONDURANT, IA 50035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.17% |
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 | 143 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 99 | $1.5M |
| Dental | STANDARD INSURANCE COMPANY | 143 | $164K |
| Vision | VISION BENEFITS OF AMERICA | 82 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 143 | $164K |
| Short-term disability | STANDARD INSURANCE COMPANY | 143 | $164K |
| Long-term disability | STANDARD INSURANCE COMPANY | 143 | $164K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 143 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.