| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 1.76% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $2K | $25K | 22.91% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANACIAL SERVICES | 1705 BAY AVE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.14% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | TRANSAMERICA LIFE INSURANCE COMPANY | $613 | — | $613 | 1.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $552 | — | $552 | 2.53% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $352 | $352 | 1.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $407 | — | $407 | 2.25% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 1.49% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 0.97% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | HARTFORD LIFE AND ACCIDENT | $2K | $80 | $2K | 15.50% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $214 | — | $214 | 2.36% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124 | — | $124 | 1.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.25% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $336 | $336 | 3.72% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $376 | — | $376 | 5.62% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $202 | — | $202 | 3.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | COUNTRYWIDE ENTERPRISES, INC. | $517 | — | $517 | 10.00% |
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 | 419 | 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) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TELADOC | 441 | $30K |
| Vision | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 519 | $30K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 527 | $301K |
| Short-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 45 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 419 | $109K |
| Other(11 contracts, 9 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 527 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.