| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERIHEALTH INSURANCE COMPANY | $30K | — | $30K | 4.50% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.84% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $1K | — | $1K | 9.35% |
| ERIN MAUREEN HENSH3 | 64 KERRY LYNN CT WILLIAMSTOWN, NJ 08094 | AFLAC | $522 | — | $522 | 5.11% |
| JENNIFER L SAUNDERS3 | 38 LOCUST ROAD VILLAS, NJ 08251 | AFLAC | $287 | $16 | $303 | 2.97% |
| KAREN BECHTELHEIMER3 | 67 STONESHIRE DR GLASSBORO, NJ 08028 | AFLAC | $181 | — | $181 | 1.77% |
| BERNADETTE E BLACKSTOCK3 | 165 BUTCHES LN FRANKLINVILLE, NJ 08322 | AFLAC | $175 | — | $175 | 1.71% |
| JALEN ANTHONY SAUNDERS3 | 38 LOCUST RD VILLAS, NJ 08251 | AFLAC | $131 | — | $131 | 1.28% |
| CAROLYN E MORRISON3 | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $113 | — | $113 | 1.11% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $105 | $3 | $108 | 1.06% |
| MICHAEL HENSH3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $98 | — | $98 | 0.96% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $81 | — | $81 | 0.79% |
| DARLENE S DILLON3 | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $57 | — | $57 | 0.56% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $31 | — | $31 | 0.30% |
| MICHAEL BUTTERFIELD3 | 2021 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $26 | — | $26 | 0.25% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $19 | — | $19 | 0.19% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $18 | — | $18 | 0.18% |
| ANDREW PARRA3 | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $16 | — | $16 | 0.16% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $12 | — | $12 | 0.12% |
| JERRY E HOLLAND3 | 5 LAUREL WAY BEAR, DE 19701 | AFLAC | $11 | — | $11 | 0.11% |
| DOROTHY M PARRA3 | 1762 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $6 | — | $6 | 0.06% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $6 | — | $6 | 0.06% |
| DOROTHY M PARRA3 | PO BOX 48 WALLINGFORD, PA 19086 | AFLAC | $5 | — | $5 | 0.05% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $2 | — | $2 | 0.02% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07420 | AFLAC | $2 | — | $2 | 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 | 120 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERIHEALTH INSURANCE COMPANY | 112 | $674K |
| Dental | AETNA LIFE INSURANCE CO. | 155 | $39K |
| Vision | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 143 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 147 | $55K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 147 | $65K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 147 | $65K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 112 | $663K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 147 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.