| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $46K | $46K | 5.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC. | 25B HANOVER RD. STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 2.00% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 Filed as: STRATEGIC VOL. BENEFIT SERVICES INC | 1504 DOOLITTLE DRIVE BRIDGEWATER, NJ 08807 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $4K | — | $4K | 8.01% |
| DOUGLAS C. PETERSON3 | 598 RIVERWOOD AVE. PT. PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $4K | — | $4K | 7.76% |
| PINE BELT INS AGENCY, LLC3 Filed as: PINE BELT INS AGENCY LLC | 1088 ROUTE 88 LAKEWOOD, NJ 08701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $3K | — | $3K | 5.39% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $900 | — | $900 | 1.70% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 4.59% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $992 | — | $992 | 10.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | USABLE LIFE | $943 | — | $943 | 13.61% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $582 | $582 | 8.40% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $911K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 146 | $51K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 142 | $10K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 105 | $60K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 82 | $53K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $911K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $971K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
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.