| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NJ CAR SERVICES, INC.3 Filed as: NJ CAR SERVICES INC. | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $298 | — | $298 | 0.35% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNOR STRONG AND BUCKELEW CMPNYS | PO BOX 989 MARLTON, NJ 080530989 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $813 | $6K | 11.75% |
| GEORGE E BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | — | $519 | 6.39% |
| ELITE ADMINISTRATION3 | 193 SCHLAFER RD BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.80% |
| WENDY BIEL3 Filed as: WENDY DRABES BIEL | 1257 CRIOSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.49% |
| BRAD BIEL3 | 225 GRAND STREET JERSEY CITY, NJ 07302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.42% |
| WILLIAM E GOOD3 Filed as: WILLIAM GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| CDC CONSULTING SERVICES INC3 Filed as: CDC CONSULTING SEVICES | 47 WESTERN AVE. DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW CO. | 401 ROUTE 73 NORTH MARLTON, NJ 08053 | USABLE LIFE | $775 | — | $775 | 14.77% |
| HORIZON BENEFITS LLC5 Filed as: HORIZON INSURANCE CO. | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $380 | $380 | 7.24% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $49K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $62K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 147 | $93K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 147 | $85K |
| Other(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 147 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.