| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | HORIZON HEALTHCARE SERVICES, INC. | $154K | — | $154K | 2.48% |
| WILLIAM NARDUZZI3 | 425 EAGLE ROCK AVENUE SUITE 401 ROSELAND, NJ 070681717 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 1.38% |
| BRIAN BUSHWELL3 | 425 EAGLE ROCK AVENUE SUITE 401 ROSELAND, NJ 070681717 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 1.38% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL | METLIFE SECURITIES INC. 1095 AVENUE OF THE AMERICAS NEW YORK, NY 100366797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.19% |
| JEFFREY FRIEDRICH3 Filed as: JEFFREY DICKINSON | 425 EAGLE ROCK AVENUE SUITE 401 ROSELAND, NJ 070681717 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 0.89% |
| MICHAEL SABATO3 | 425 EAGLE ROCK AVENUE SUITE 401 ROSELAND, NJ 070681717 | METROPOLITAN LIFE INSURANCE COMPANY | -$600 | — | -$600 | -0.09% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | ULTIMATE HEALTH | $3K | — | $3K | 5.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $774 | $5K | 10.78% |
| JOHN P. LECLAIR3 | P.O. BOX 219 MAPLEWOOD, NJ 07040 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 0.53% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX989 MARLTON, NJ 08053 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $6K | — | $6K | 85.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $41 | $197 | 15.50% |
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 | 660 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 530 | $6.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,593 | $676K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,593 | $676K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,593 | $676K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,593 | $676K |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,593 | $722K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 530 | $6.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,593 | $733K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,593 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.