| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD LAMPLUGH3 | 230 E. BISHOP HOLLOW ROAD MEDIA, PA 19063 | UNITED AMERICAN INSURANCE COMPANY | $52K | — | $52K | 7.11% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | SUN LIFE ASSURANCE COMPANY OF CANADA | $60K | $12K | $72K | 14.33% |
| HOWARD LAMPLUGH3 | 230 BISHOP HOLLOW RD MEDIA, PA 19063 | HORIZON BLUE CROSS OF NEW JERSEY | $6K | — | $6K | 1.31% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | HEALTHCARE DENTAL, INC. | $9K | — | $9K | 5.00% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 8.14% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $549 | $4K | 4.10% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | VISION SERVICE PLAN | $5K | — | $5K | 7.50% |
| SEAN MCGOVERN3 | BALA FINANCIAL GROUP, INC. 208 OLD LANCASTER ROAD DEVON, PA 19333 | JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) | $4K | — | $4K | 9.01% |
| THE BROKERS SOURCE LTD3 | ONE FORESTWOOD DRIVE SUITE 111 PITTSBURGH, PA 152371216 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 18.91% |
| SEAN P. MCGOVERN3 | BALA FINANCIAL GROUP 1040 KINGS HIGHWAY N, SUITE 601 CHERRY HILL, NJ 080341922 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $186 | $1K | 5.38% |
| HOWARD LAMPLUGH3 | 230 BISHOP HOLLOW ROAD MEDIA, PA 19063 | PRINCIPAL LIFE INSURANCE COMPANY | $265 | — | $265 | 1.19% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 SUITE C-2 MANASQUAN, NJ 08736 | HYATT LEGAL PLANS | $860 | $431 | $1K | 14.77% |
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 | 861 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 272 | $821K |
| Dental | HEALTHCARE DENTAL, INC. | 232 | $171K |
| Vision | VISION SERVICE PLAN | 419 | $61K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,222 | $503K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,222 | $593K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,222 | $526K |
| Prescription drug | HORIZON BLUE CROSS OF NEW JERSEY | 274 | $483K |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,222 | $660K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,222 | — |
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."
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.