| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA TWO 250 PEHLE AVE, SUITE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 3.32% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX MARLTON, NJ 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 1.64% |
| CORPORATE CONSULTING SVCS INC3 | 605 3RD AVE, FL 24 NEW YORK, NY 101580180 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $131 | $4K | 5.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | MUTUAL OF OMAHA INSURANCE COMPANY | $603 | — | $603 | 0.83% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | MUTUAL OF OMAHA INSURANCE COMPANY | $303 | — | $303 | 0.42% |
| CORPORATE CONSULTING SVCS INC3 | 605 3RD AVE, FL 24 NEW YORK, NY 101580180 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $96 | $3K | 5.67% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | MUTUAL OF OMAHA INSURANCE COMPANY | $681 | — | $681 | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | MUTUAL OF OMAHA INSURANCE COMPANY | $566 | — | $566 | 1.12% |
| CORPORATE CONSULTING SVCS INC3 | 605 3RD AVE, FL 24 NEW YORK, NY 101580180 | COMPANION LIFE INSURANCE COMPANY | $1K | $49 | $2K | 5.20% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | COMPANION LIFE INSURANCE COMPANY | $963 | — | $963 | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | COMPANION LIFE INSURANCE COMPANY | $481 | — | $481 | 1.66% |
| CORPORATE CONSULTING SVCS INC3 | 605 3RD AVE, FL 24 NEW YORK, NY 101580180 | COMPANION LIFE INSURANCE COMPANY | $1K | $50 | $1K | 5.30% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | COMPANION LIFE INSURANCE COMPANY | $837 | — | $837 | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | COMPANION LIFE INSURANCE COMPANY | $399 | — | $399 | 1.58% |
| CORPORATE CONSULTING SVCS INC3 | 605 3RD AVE, FL 24 NEW YORK, NY 101580180 | MUTUAL OF OMAHA INSURANCE COMPANY | $288 | $10 | $298 | 5.20% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | MUTUAL OF OMAHA INSURANCE COMPANY | $190 | — | $190 | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | MUTUAL OF OMAHA INSURANCE COMPANY | $95 | — | $95 | 1.66% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $321K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $321K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 331 | $54K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 330 | $50K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 331 | $73K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 331 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.