| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 4.56% |
| NJ CAR SERVICES, INC.3 Filed as: NJ CAR SERVICES INC. | 856 RIVER RD. TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 5.00% |
| DOUGLAS C. PETERSON3 | 598 RIVERWOOD AVE PT PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.52% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 Filed as: STRATEGIC VOL. BENEFIT SERVICES INC | 8 PINE RIDGE DR BRANCHBURG, NJ 08876 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.10% |
| PINE BELT INS AGENCY, LLC3 | 1088 RTE 88 LAKEWOOD, NJ 08701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.44% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $759 | — | $759 | 1.98% |
| JANE KULIKAUSKAS3 | 3022 NESCO RD HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 0.68% |
| GREG WIESMORE3 | 46 FAWN HOLLOW LANE MULLICA HILL, NJ 08062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $233 | — | $233 | 0.61% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $1K | — | $1K | 10.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | USABLE LIFE | $998 | — | $998 | 13.35% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $647 | $647 | 8.65% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL CT. WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | — | $333 | 6.59% |
| WENDY BIEL3 | 1257 CROSSBILL CT. WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.61% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.32% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.32% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 545 TOM SAWYER RD. DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.16% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 76 | $43K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 155 | $53K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 158 | $10K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 124 | $46K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 76 | $84K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 30 | $41K |
| Other(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 124 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.