| 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 | 3.63% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 5.01% |
| GERARD JOSEPH BENEDICT3 | 16 CAMPUS BLVD STE 200 NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $330 | $5K | 12.89% |
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER P. FURRULE | 1305 CAMPUS PKWY STE 100 WALL TOWNSHIP, NJ 07753 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 9.97% |
| ALESSANDRA NICOLAS3 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $111 | $3K | 8.73% |
| JACKLYN NASELLI3 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $80 | $3K | 6.89% |
| MARTIN SCHWEITER3 | 16 CAMPUS BLVD STE 200 NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.32% |
| PHILIP B. STOLFTZFUS3 | 16 CAMPUS BLVD STE 200 NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $914 | — | $914 | 2.35% |
| STEPHEN T. GRAHAM3 | 111 CONTINENTAL DR. STE 305 NEWARK, DE 197134317 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $624 | $624 | 1.61% |
| CALLIOPE JAYNE MOZILO-DEIBERT3 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $441 | — | $441 | 1.14% |
| STEPHEN JOHN KOSTYK3 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $229 | — | $229 | 0.59% |
| JAMES F. BURNS3 | 16 CAMPUS BLVD STE 200 NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $28 | $28 | 0.07% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.86% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 800 KANSAS CITY, MO 64108 | ARAG INSURANCE COMPANY | $200 | — | $200 | 10.00% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 285 | $135K |
| Vision(2 contracts) | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 263 | $20K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $93K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 598 | $131K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $25K |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 598 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.