| 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. | $30K | — | $30K | 5.01% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 13.84% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | DELTA DENTAL OF NJ, INC. | $2K | — | $2K | 4.19% |
| JENNIFER L SAUNDERS3 Filed as: JENNIFER L. SANDERS | 38 LOCUST ROAD VILLAS, NJ 08251 | AFLAC | $1K | — | $1K | 12.47% |
| BRIAN M LEYPOLDT3 Filed as: BRIAN M. LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $264 | — | $264 | 2.49% |
| BERNADETTE E BLACKSTOCK3 Filed as: BERNADETTE E. BLACKSTOCK | 165 BUTCHES LANE FRANKLINVILLE, NJ 08322 | AFLAC | $249 | — | $249 | 2.35% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD SUITE 12B LINWOOD, NJ 08221 | AFLAC | $181 | — | $181 | 1.71% |
| CAROLYN E MORRISON3 Filed as: CAROLYN E. MORRISON | 55 EAST END AVENUE CARNEYS POINT, NJ 08069 | AFLAC | $179 | — | $179 | 1.69% |
| KAREN BECHTELHEIMER3 | 67 STONESHIRE DRIVE GLASSBORO, NJ 08028 | AFLAC | $151 | — | $151 | 1.43% |
| DARLENE S DILLON3 Filed as: DARLENE S. DILLON | 282 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $81 | — | $81 | 0.77% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $27 | — | $27 | 0.26% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $25 | — | $25 | 0.24% |
| JERRY E HOLLAND3 Filed as: JERRY E. HOLLAND | 5 LAUREL WAY BEAR, DE 19701 | AFLAC | $24 | — | $24 | 0.23% |
| ANDREW PARRA3 | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $18 | — | $18 | 0.17% |
| DOROTHY M PARRA3 Filed as: DOROTHY M. PARRA | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $12 | — | $12 | 0.11% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $10 | — | $10 | 0.09% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L. POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $9 | — | $9 | 0.09% |
| PAUL M. BLACKSTOCK3 | 165 BUTCHES LANE FRANKLINVILLE, NJ 08322 | AFLAC | $5 | — | $5 | 0.05% |
| TONY J DELBEN3 Filed as: TONY J. DELBEN | 143 SANDREED DRIVE MOORESVILLE, NC 28117 | AFLAC | $2 | — | $2 | 0.02% |
| NANCY M ANDERSON3 Filed as: NANCY M. ANDERSON | 11 CEDAR COURT SOMERS POINT, NJ 08244 | AFLAC | $2 | — | $2 | 0.02% |
| TIMOTHY MCDERMOTT3 | 630 BOULVEVARD SUITE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $2 | — | $2 | 0.02% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | EYEMED VISION CARE | $910 | — | $910 | 9.87% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 84 | $615K |
| Dental | DELTA DENTAL OF NJ, INC. | 89 | $45K |
| Vision | EYEMED VISION CARE | 133 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 143 | $94K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 143 | $104K |
| Long-term disability | STANDARD INSURANCE COMPANY | 143 | $94K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 84 | $605K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 143 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
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.