| 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 NY | $3K | $669 | $4K | 8.69% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $4K | $647 | $4K | 11.33% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | $460 | $3K | 9.79% |
| CYNTHIA FLOOD3 | 10 LAKE ST MONROE, NY 10950 | AFLAC | $463 | — | $463 | 2.63% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $246 | — | $246 | 1.40% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $244 | — | $244 | 1.39% |
| LILLIAN TOMPKINS3 | 100 STONY BROOK CT NEWBURGH, NY 12550 | AFLAC | $224 | — | $224 | 1.27% |
| FUTURE VALUE ASSOCIATES LTD3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | AFLAC | $219 | — | $219 | 1.25% |
| EVE HILLYER3 | 8 HARVARD DR CARMEL, NY 10512 | AFLAC | $175 | — | $175 | 1.00% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $51 | — | $51 | 0.29% |
| MICHAEL WELLING3 | 22 BRANCH BROOK RD WHITE PLAINS, NY 10605 | AFLAC | $31 | — | $31 | 0.18% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $20 | — | $20 | 0.11% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $8 | — | $8 | 0.05% |
| BRIAN FAIN3 | 54 THIMBLE FARMS RD BRANFORD, CT 06405 | AFLAC | $7 | — | $7 | 0.04% |
| KOBER ASSOCIATES LLC3 | 57-12 12TH AVE BEECHHURST, NY 11357 | AFLAC | $6 | — | $6 | 0.03% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 11 EVERGREEN AVE WESTPORT, CT 06880 | AFLAC | $4 | — | $4 | 0.02% |
| PAUL M WALSH3 | 44 HUNTERS RIDGE RD SHELTON, CT 06484 | AFLAC | $3 | — | $3 | 0.02% |
| MATTHEW G BERGER3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $1 | — | $1 | 0.01% |
| CYNTHIA FLOOD3 | 10 LAKE STREET MONROE, NY 10950 | AFLAC | $2K | $197 | $2K | 13.01% |
| NICHOLAS MCELROY3 Filed as: NICHOLAS A MCELROY | PO BOX 1068 MONROE, NY 10949 | AFLAC | $579 | $46 | $625 | 3.87% |
| VINCENT KRILL3 Filed as: VINCENT J KRILL | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $323 | $46 | $369 | 2.29% |
| JASON D HARTMAN3 | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $185 | — | $185 | 1.15% |
| EVE HILLYER3 | 8 HARVARD DR CARMEL, NY 10512 | AFLAC | $103 | — | $103 | 0.64% |
| LILLIAN TOMPKINS3 | 704 SEAGATE DR TAMPA, FL 33602 | AFLAC | $76 | — | $76 | 0.47% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $16 | — | $16 | 0.10% |
| AIMEE BRANDON3 | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $15 | — | $15 | 0.09% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $6 | — | $6 | 0.04% |
| WENDY CALIENDO3 | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $3 | — | $3 | 0.02% |
| 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 | 10.65% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COPPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | TELADOC, INC. | $978 | — | $978 | 15.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $263 | $34 | $297 | 15.54% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AFLAC | 274 | $40K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $107K |
| Vision | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE CO. OF NEW YORK) | 213 | $13K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 139 | $41K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 108 | $27K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 99 | $39K |
| Other(6 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 274 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.