| 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 | $2K | $14K | 4.49% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $317 | $7K | 14.75% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | VISION SERVICE PLAN | $1K | — | $1K | 4.47% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $828 | — | $828 | 6.33% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.07% |
| CAROLYN E MORRISON3 | 108 PARKSIDE CT LEXINGTON, SC 29072 | AFLAC | $255 | — | $255 | 3.18% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | AFLAC | $237 | — | $237 | 2.96% |
| DARLENE S DILLON3 Filed as: DARLENE DILLON | 293 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $105 | — | $105 | 1.31% |
| CHRISTINE WHITE3 | 271 UNDERHILL RD SOUTH ORANGE, NJ 07079 | AFLAC | $103 | — | $103 | 1.29% |
| CONROY AND ASSOC BENEFITS INC.3 | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $55 | — | $55 | 0.69% |
| CHARMAINE E WHITE JACKSON3 | 1 GABRIELLE CIR SWEDESBORO, NJ 08085 | AFLAC | $53 | — | $53 | 0.66% |
| DARLENE M MILLER3 | 86 EATON ROAD PENNSVILLE, NJ 08070 | AFLAC | $33 | — | $33 | 0.41% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 SUITE H-119 FAIRFIELD, NJ 07004 | AFLAC | $27 | — | $27 | 0.34% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC. | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $17 | — | $17 | 0.21% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $12 | — | $12 | 0.15% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $9 | — | $9 | 0.11% |
| THOMAS J POPPERT3 | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $6 | — | $6 | 0.07% |
| TIMOTHY MCDERMOTT3 | 630 BOULEVARD STE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $3 | — | $3 | 0.04% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL 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 | $76 | — | $76 | 1.15% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 5.54% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 5.85% |
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 | 294 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 12 | $8K |
| Vision | VISION SERVICE PLAN | 210 | $32K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $352K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $314K |
| Long-term disability(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $338K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 378 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.