| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 4.68% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 4.12% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $233 | $7K | 16.70% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $188 | $3K | 8.87% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | VISION SERVICE PLAN | $202 | — | $202 | 0.62% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $570 | $242 | $812 | 9.59% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $308 | $34 | $342 | 4.24% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 22.43% |
| EARL S PROLMAN3 | P.O. BOX 3405 100 ELM ST NASHUA, NH 03061 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.98% |
| CAROLYN E MORRISON3 | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $243 | — | $243 | 3.67% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AFLAC | $191 | — | $191 | 2.89% |
| CHARMAINE E WHITE JACKSON3 | 1 GABRIELLE CIR SWEDESBORO, NJ 08085 | AFLAC | $63 | — | $63 | 0.95% |
| DARLENE S DILLON3 | 293 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $48 | — | $48 | 0.73% |
| DARLENE M MILLER3 | 86 EATON ROAD PENNSVILLE, NJ 08070 | AFLAC | $42 | — | $42 | 0.64% |
| DARLENE S DILLON3 | 55 E END AVE. CARNEYS POINT, NJ 08069 | AFLAC | $36 | — | $36 | 0.54% |
| CHRISTINE WHITE3 | 271 UNDERHILL RD SOUTH ORANGE, NJ 07079 | AFLAC | $32 | — | $32 | 0.48% |
| CONROY AND ASSOC BENEFITS INC.3 | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $18 | — | $18 | 0.27% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC. | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $16 | — | $16 | 0.24% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $11 | — | $11 | 0.17% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $8 | — | $8 | 0.12% |
| THOMAS J POPPERT3 | 1167 W BALTIMORE PIKE 239 STE 105 MEDIA, PA 19063 | AFLAC | $6 | — | $6 | 0.09% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE. STE 105 PISCATAWAY, NJ 08854 | AFLAC | $3 | — | $3 | 0.05% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 1.20% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $135 | $7 | $142 | 7.89% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.53% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 10 | $7K |
| Vision | VISION SERVICE PLAN | 204 | $33K |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $607K |
| Short-term disability(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $348K |
| Long-term disability(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $589K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 314 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.