| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | — | $5K | $5K | 4.17% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.96% |
| GERARD JOSEPH BENEDICT3 | 16 CAMPUS BLVD STE 200 NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $35K | $36K | 102.70% |
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER P. FURRULE | 1305 CAMPUS PKWY STE 100 WALL TOWNSHIP, NJ 07753 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.65% |
| MARTIN SCHWEITER3 | 16 CAMPUS BLVD STE 200 NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.10% |
| ALESSANDRA HABIB NICOLAS3 | 320 BERKLEY RD DEVON, PA 193331516 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $30 | $1K | 3.04% |
| JACKLYN NASELLI3 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $751 | $12 | $763 | 2.16% |
| STEPHEN T. GRAHAM3 | 200 CONTINENTAL DR STE 101 NEWARK, DE 197134303 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $444 | $444 | 1.26% |
| PHILIP BENJAMIN STOLTZFUS3 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 190733229 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $388 | — | $388 | 1.10% |
| CALLIOPE JAYNE MOZILO-DEIBERT3 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $118 | — | $118 | 0.33% |
| STEPHEN JOHN KOSTYK3 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $96 | — | $96 | 0.27% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.11% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $915 | — | $915 | 11.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 800 KANSAS CITY, MO 64108 | ARAG INSURANCE COMPANY | $244 | — | $244 | 9.99% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 305 | $122K |
| Vision(2 contracts) | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 262 | $19K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $87K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 542 | $116K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $24K |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 542 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.