| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 4.90% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 13.82% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $15K | — | $15K | 34.06% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $8K | — | $8K | 18.34% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | COUNTRYWIDE ENTERPRISES, INC. | $510 | — | $510 | 10.01% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | HARTFORD LIFE AND ACCIDENT | $113 | — | $113 | 15.07% |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS (PERSONAL CHOICE) | 604 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 511 | $220K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS (PERSONAL CHOICE) | 604 | $2.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $128K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $128K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $128K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS (PERSONAL CHOICE) | 604 | $3.2M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,730 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,730 | — |
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."
No prospect flags tripped on this filing.