| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | HORIZON HEALTHCARE SERVICES, INC. | $24K | — | $24K | 4.84% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 11.85% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | DELTA DENTAL OF NJ, INC. | $2K | — | $2K | 5.72% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | EYEMED VISION CARE | $322 | — | $322 | 5.19% |
| BERNADETTE E BLACKSTOCK3 Filed as: BERNADETTE E. BLACKSTOCK | 165 BUTCHES LANE FRANKLINVILLE, NJ 08322 | AFLAC | $270 | — | $270 | 4.37% |
| CAROLYN E MORRISON3 Filed as: CAROLYN E. MORRISON | 55 EAST END AVENUE CARNEYS POINT, NJ 08069 | AFLAC | $145 | — | $145 | 2.35% |
| DARLENE S DILLON3 Filed as: DARLENE S. DILLON | 282 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $87 | — | $87 | 1.41% |
| CAROLYN E MORRISON3 Filed as: CAROLYN E. ABERNATHY | 55 EAST END AVENUE CARNEYS POINT, NJ 08069 | AFLAC | $56 | — | $56 | 0.91% |
| JERRY E HOLLAND3 Filed as: JERRY E. HOLLAND | 5 LAUREL WAY BEAR, DE 19707 | AFLAC | $29 | — | $29 | 0.47% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $26 | — | $26 | 0.42% |
| MICHAEL BUTTERFIELD3 | 3120 FIRE ROAD SUITE B102 EGG HARBOR, NJ 08234 | AFLAC | $16 | — | $16 | 0.26% |
| ANDREW PARRA3 | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $15 | — | $15 | 0.24% |
| DOROTHY M PARRA3 Filed as: DOROTHY M. PARRA | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $10 | — | $10 | 0.16% |
| PAUL M. BLACKSTOCK3 | 165 BUTCHES LANE FRANKLINVILLE, NJ 08322 | AFLAC | $5 | — | $5 | 0.08% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE RGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $3 | — | $3 | 0.05% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L. POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $2 | — | $2 | 0.03% |
| TONY J DELBEN3 Filed as: TONY J. DELBEN | 143 SANDREED DRIVE MOORESVILLE, NC 28117 | AFLAC | $1 | — | $1 | 0.02% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 71 | $489K |
| Dental | DELTA DENTAL OF NJ, INC. | 78 | $41K |
| Vision | EYEMED VISION CARE | 104 | $6K |
| Life insurance | STANDARD INSURANCE COMPANY | 119 | $49K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 119 | $56K |
| Long-term disability | STANDARD INSURANCE COMPANY | 119 | $49K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 71 | $489K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 119 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.