| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | SYMETRA LIFE INSURANCE COMPANY | $116K | — | $116K | 10.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | AETNA LIFE INSURANCE CO. | $19K | — | $19K | 2.52% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $33K | — | $33K | 17.19% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 5.92% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | EYEMED VISION CARE (COMBINED INSURANCE COMPANY OF AMERICA) | $20K | — | $20K | 12.65% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | EYEMED VISION CARE (COMBINED INSURANCE COMPANY OF AMERICA) | $105 | — | $105 | 12.51% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | FEDERAL INSURANCE COMPANY (CHUBB) | $1K | — | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $537K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $55K |
| AETNA LIFE INSURANCE CO. EIN 06-6033492 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 1,450 | 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) | 1,460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 798 | $191K |
| Vision(2 contracts) | EYEMED VISION CARE (COMBINED INSURANCE COMPANY OF AMERICA) | 2,423 | $155K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,450 | $746K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,450 | $938K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,450 | $746K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,251 | $1.2M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,450 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,423 | — |
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.