| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 1.98% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $3K | $32K | 19.84% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.10% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANACIAL SERVICES | 1705 BAY AVE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $770 | — | $770 | 2.51% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $466 | $466 | 1.66% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $544 | $544 | 1.99% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $15 | $2K | 8.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $354 | — | $354 | 1.77% |
| 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% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL GROUP LLC | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.77% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $604 | — | $604 | 6.87% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $344 | — | $344 | 5.09% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $185 | — | $185 | 2.74% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $916 | — | $916 | 13.89% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | COUNTRYWIDE ENTERPRISES, INC. | $567 | — | $567 | 10.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | HARTFORD FIRE INSURANCE COMPANY | $789 | — | $789 | 15.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 1.48% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 1.21% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 1.10% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL GROUP LLC | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $140 | — | $140 | 13.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75 | — | $75 | 6.98% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | HEALTHJOY | 516 | $125K |
| Vision | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 607 | $37K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 767 | $420K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 75 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 488 | $159K |
| Other(12 contracts, 8 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 767 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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.