| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW CO. INC. | 40 LAKE CENTER EXECUTIVE PARK401 ROUTE 73 NORTH PO BOX 989 MARLTON, NJ 08053 | DELTA DENTAL OF NEW JERSEY, INC. | $49K | — | $49K | 2.11% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW CO, INC. | 40 LAKE CENTER EXECUTIVE PARK MARLTON, NJ 08053 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $107K | — | $107K | 9.59% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW CO, INC. | 40 LAKE CENTER EXECUTIVE PARK MARLTON, NJ 08053 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $54K | — | $54K | 7.33% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW CO., INC. | 40 LAKE CENTER EXECUTIVE PARK MARLTON, NJ 08053 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $49K | — | $49K | 9.15% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW,INC. | PO BOX 989 MARLTON, NJ 08053 | EYEMED | $51K | — | $51K | 14.81% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW CO., INC | 40 LAKE CENTER EXECUTIVE PARK MARLTON, NJ 08053 | ALPHA DENTAL PROGRAMS, INC. | $7K | — | $7K | 3.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73, N STE 300 MARLTON, NJ 08053 | ALPHA DENTAL PROGRAMS, INC. | $759 | — | $759 | 3.00% |
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 | 5,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 6,859 | $2.5M |
| Vision(2 contracts) | EYEMED | 6,566 | $343K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,477 | $1.1M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,125 | $738K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,792 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,859 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.