| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $5K | $10K | 5.95% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | — | $5K | $5K | 4.15% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 4.32% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.48% |
| GERARD JOSEPH BENEDICT3 | 16 CAMPUS BLVD STE 200 NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $383 | $4K | 17.76% |
| ALESSANDRA NICOLAS3 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $208 | $4K | 17.05% |
| PHILIP B. STOLFTZFUS3 | 16 CAMPUS BLVD STE 200 NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $133 | $3K | 11.34% |
| JACKLYN NASELLI3 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $85 | $2K | 8.45% |
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER P. FURRULE | 1305 CAMPUS PKWY STE 100 WALL TOWNSHIP, NJ 07753 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.40% |
| MARTIN SCHWEITER3 | 16 CAMPUS BLVD STE 200 NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $834 | $834 | 3.40% |
| STEPHEN JOHN KOSTYK3 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $663 | $3 | $666 | 2.71% |
| STEPHEN T. GRAHAM3 | 111 CONTINENTAL DR. STE 305 NEWARK, DE 197134317 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $479 | $479 | 1.95% |
| JAMES F. BURNS3 | 16 CAMPUS BLVD STE 200 NEWTOWN SQUARE, PA 19073 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $28 | $28 | 0.11% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $490 | $2K | 15.10% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 800 KANSAS CITY, MO 64108 | ARAG INSURANCE COMPANY | $216 | — | $216 | 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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 329 | $128K |
| Vision(2 contracts) | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 294 | $21K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $83K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 583 | $177K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $32K |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 583 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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.