| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG COMPANIES INC. | 40 LAKE CENTER EXECUTIVE PARK SUITE 300 MARLTON, NJ 08053 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $0 | $12K | 1.59% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 0.39% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW CO. INC. | 40 LAKE CENTER EXECUTIVE PARK SUITE 300 MARLTON, NJ 08053 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.91% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.53% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW, INC. | PO BOX 989 MARLTON, NJ 08053 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | $20K | $0 | $20K | 18.26% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | $2K | $0 | $2K | 1.66% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | $2K | $0 | $2K | 1.64% |
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 | 1,491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 436 | $160K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | 2,471 | $112K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,513 | $775K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,513 | $935K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,513 | $775K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,513 | $935K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,471 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.