| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $15K | 5.32% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $420 | $7K | 17.26% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | VISION SERVICE PLAN | $2K | — | $2K | 4.24% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $148 | $2K | 9.23% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $224 | $2K | 14.15% |
| CAROLYN E MORRISON3 Filed as: CAROLYN MORRISON | 55 EAST END AVENUE CARNEYS POINT, NJ 08069 | AFLAC | $312 | — | $312 | 3.19% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | AFLAC | $286 | — | $286 | 2.93% |
| DARLENE S DILLON3 Filed as: DARLENE DILLON | 282 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $127 | — | $127 | 1.30% |
| CHRISTINE WHITE3 | 271 UNDERHILL ROAD SOUTH ORANGE, NJ 07079 | AFLAC | $113 | — | $113 | 1.16% |
| CHARMAIN WHITE-JACKSON3 | 1 GABRIELLE CIRCLE SWEDESBORO, NJ 08085 | AFLAC | $87 | — | $87 | 0.89% |
| CONROY AND ASSOC BENEFITS INC.3 Filed as: CONROY AND ASSOC. BENEFITS, INC. | P.O. BOX 475 HOBOKEN, NJ 07030 | AFLAC | $60 | — | $60 | 0.61% |
| DARLENE M MILLER3 Filed as: DARLENE MILLER | 86 EATON ROAD PENNSVILLE, NJ 08070 | AFLAC | $35 | — | $35 | 0.36% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 SUITE H-119 FAIRFIELD, NJ 07035 | AFLAC | $30 | — | $30 | 0.31% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC., INC. | ONE NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $21 | — | $21 | 0.21% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $12 | — | $12 | 0.12% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $10 | — | $10 | 0.10% |
| THOMAS J POPPERT3 Filed as: THOMAS POPPERT | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $6 | — | $6 | 0.06% |
| TIMOTHY MCDERMOTT3 | 630 BOULEVARD SUITE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $3 | — | $3 | 0.03% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.01% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 1.28% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $519 | $67 | $586 | 11.10% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $179 | $31 | $210 | 12.54% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 12 | $10K |
| Vision | VISION SERVICE PLAN | 227 | $37K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 345 | $322K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 345 | $290K |
| Long-term disability(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 345 | $321K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 373 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.