| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 6.95% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $1K | $3K | 7.71% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $903 | $4K | 10.38% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $639 | $2K | 10.03% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE CO. OF NEW YORK) | $1K | — | $1K | 9.24% |
| CYNTHIA FLOOD3 | 10 LAKE ST MONROE, NY 10950 | AFLAC | $420 | — | $420 | 3.17% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $223 | — | $223 | 1.68% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $193 | — | $193 | 1.45% |
| LILLIAN TOMPKINS3 | 100 STONY BROOK CT NEWBURGH, NY 12550 | AFLAC | $143 | — | $143 | 1.08% |
| FUTURE VALUE ASSOCIATES LTD3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | AFLAC | $142 | — | $142 | 1.07% |
| BRUCE G HILLYER3 | 8 HARVARD DRIVE CARMEL, NY 10512 | AFLAC | $142 | — | $142 | 1.07% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $33 | — | $33 | 0.25% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $13 | — | $13 | 0.10% |
| BRIAN FAIN3 | 54 THIMBLE FARMS RD BRANFORD, CT 06405 | AFLAC | $6 | — | $6 | 0.05% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $5 | — | $5 | 0.04% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 11 EVERGREEN AVE WESTPORT, CT 06880 | AFLAC | $3 | — | $3 | 0.02% |
| PAUL M WALSH3 | 44 HUNTERS RIDGE RD SHELTON, CT 06484 | AFLAC | $2 | — | $2 | 0.02% |
| CYNTHIA FLOOD3 | 10 LAKE STREET MONROE, NY 10950 | AFLAC | $410 | — | $410 | 4.69% |
| NICHOLAS MCELROY3 Filed as: NICHOLAS A MCELROY | PO BOX 1068 MONROE, NY 10949 | AFLAC | $178 | — | $178 | 2.04% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $138 | — | $138 | 1.58% |
| VINCENT KRILL3 Filed as: VINCENT J KRILL | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $77 | — | $77 | 0.88% |
| BRUCE G HILLYER3 | 8 HARVARD DR CARMEL, NY 10512 | AFLAC | $76 | — | $76 | 0.87% |
| LILLIAN TOMPKINS3 | 704 SEAGATE DR TAMPA, FL 33602 | AFLAC | $46 | — | $46 | 0.53% |
| AIMEE BRANDON3 Filed as: AIMEE ZWEIL BRANDON | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $12 | — | $12 | 0.14% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $10 | — | $10 | 0.11% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $4 | — | $4 | 0.05% |
| WENDY CALIENDO3 | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $2 | — | $2 | 0.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $250 | $12 | $262 | 14.45% |
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 | 102 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 10 | $22K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $105K |
| Vision | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE CO. OF NEW YORK) | 180 | $14K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 125 | $42K |
| Short-term disability(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 115 | $59K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 81 | $34K |
| Other(5 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 125 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.