| 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 | $3K | — | $3K | 4.98% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$5K | — | -$5K | -7.38% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNOR STRONG & BUCKELEW COMPANIES | PO BOX 989 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $147 | $6K | 65.51% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CORSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | — | $490 | 5.89% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.58% |
| WENDY BIEL3 | 1257 CROSSBOW CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.46% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.37% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNOR STRONG & BUCKELEW COMPANIES | 401 ROUTE 73 NORTH MARLTON, NJ 08053 | USABLE LIFE | $856 | — | $856 | 14.13% |
| HORIZON INSURANCE COMPANY5 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $477 | $477 | 7.88% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 158 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 49 | $67K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $9K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 101 | $14K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 49 | $76K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 49 | $67K |
| Other(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 101 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.