| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | P.O. BOX 480 ROSELAND, NJ 07068 | AETNA LIFE INSURANCE COMPANY | $177K | — | $177K | 2.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SER | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $59K | — | $59K | 0.93% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG COMPANIES INC. | P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | 0.29% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | 120 EAGLE ROCK AVE STE. 303 EAST HANOVER, NJ 07936 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 7.32% |
| CONNER STRONG & BUCKELEW3 | P.O. BOX 99106 CAMDEN, NJ 08101 | ARMADACARE | $1K | — | $1K | 1.13% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | PO BOX 480 ROSELAND, NJ 07068 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 20.45% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT GROUP | 120 EAGLE ROCK AVE SUITE 303 EAST HANOVER, NJ 07936 | METLIFE LEGAL PLANS | $369 | — | $369 | 7.29% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT GROUP | 245 SOUTH STREET MORRISTOWN, NJ 07960 | METLIFE LEGAL PLANS | $135 | — | $135 | 2.67% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | 2 COOPER STREET CAMDEN, NJ 08102 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH PA | $607 | — | $607 | 15.00% |
| BRIAN BUSHWELL3 | 120 EAGLE ROCK AVENUE SUITE 303 EAST HANOVER, NJ 07936 | DELAWARE AMERICAN LIFE INSURANCE | $225 | — | $225 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATEGIC BENEFITS GROUP LLC EIN 26-4210210 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 765 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,023 | $6.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,023 | $6.4M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,023 | $6.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $330K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $330K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $330K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 765 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
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.