| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | $21K | $13K | $34K | 2.69% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | SECURIAN LIFE INSURANCE COMPANY | $29K | — | $29K | 2.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INSURANCE | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 4.68% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 3.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 56 LIVINGSTON AVE. P.O. BOX 369 ROSELAND, NJ 070681733 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $10K | $45K | 7.03% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 1.44% |
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 56 LIVINGSTON AVE P.O. BOX 369 ROSELAND, NJ 070681733 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $7K | $34K | 7.94% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $7K | 1.56% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $37 | $33 | $70 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 56 LIVINGSTON AVE FLOOR 2 ROSELAND, NJ 070681733 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $3K | $18K | 9.67% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $119 | $2K | 1.02% |
| AMERICAN BENEFITS CONSULTING LLC3 Filed as: AMERICAN BENEFITS CONSULTING, LLC | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | — | $707 | $707 | 0.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO, INC. | 56 LIVINGSTON AVE P.O. BOX 369 ROSELAND, NJ 07068 | HYATT LEGAL PLANS | $3K | $387 | $3K | 7.01% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99016 CAMDEN, NJ 08101 | HYATT LEGAL PLANS | $2K | $177 | $3K | 5.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO, INC. | 30A VREELAND ROAD FLORHAM PARK, NJ 07932 | HYATT LEGAL PLANS | — | $116 | $116 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 56 LIVINGSTON AVE FLOOR 2 ROSELAND, NJ 070681733 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $326 | $2K | 8.50% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $302 | $27 | $329 | 1.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CONSULTANT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation; Named fiduciary Service code 12 | — | $2.0M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $250K |
| BROWN & BROWN METRO INSURANCE EIN 22-3451205 CONSULTANT | Claims processing; Contract Administrator; Consulting (general) Service code 12 | — | $142K |
| CONNER STRONG & BUCKELEW EIN 21-0718159 CONSULTANT/BROKER | Consulting (general); Contract Administrator; Claims processing Service code 12 | — | $101K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 PROVIDER | Participant communication; Float revenue; Other services; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $9K |
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 | 2,708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 190 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,025 | $1.4M |
| Vision | HM LIFE INSURANCE COMPANY | 4,242 | $336K |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 3,114 | $2.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,044 | $423K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 966 | $646K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,025 | $879K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,025 | $806K |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,163 | $616K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,025 | — |
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.