| 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 | — | $71K | $71K | 6.06% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 19.89% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 8.22% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $2K | $26 | $2K | 4.05% |
| MJ INSURANCE3 Filed as: GERALD B BURRUS AND VARIOUS AGENTS | 2425 OLD OREGON TRL PULASKI, VA 24301 | AFLAC | $2K | $1 | $2K | 3.03% |
| MELISSA L KARNES3 | PO BOX 384 DALEVILLE, VA 24083 | AFLAC | $2K | $26 | $2K | 2.84% |
| NANCY A FLIPPIN3 | PO BOX 465 STUART, VA 24171 | AFLAC | $1K | $26 | $1K | 2.53% |
| TRICIA A VANDEVANDER3 | 115 CAMBRIDGE DR DALEVILLE, VA 24083 | AFLAC | $410 | — | $410 | 0.69% |
| TRAVIS B HAWKINS3 | 125 BOGEY DR ABINGDON, VA 24211 | AFLAC | $210 | — | $210 | 0.36% |
| LEWIS PAUL GILES3 | PO BOX 39 RINGGOLD, VA 24586 | AFLAC | $167 | $27 | $194 | 0.33% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $68K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $68K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $88K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $88K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $88K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.