| 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 | $11K | — | $11K | 4.46% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.93% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.77% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | VISION SERVICE PLAN | $1K | — | $1K | 4.62% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $311 | — | $311 | 3.91% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 23.33% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $324 | — | $324 | 5.27% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $372 | — | $372 | 6.84% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 1.01% |
| CAROLYN E MORRISON3 | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $168 | — | $168 | 3.81% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AFLAC | $128 | — | $128 | 2.90% |
| CHARMAINE E WHITE JACKSON3 | 1 GABRIELLE CIR SWEDESBORO, NJ 08085 | AFLAC | $48 | — | $48 | 1.09% |
| DARLENE S DILLON3 | 120 WOODSIDE RD. LEXINGTON, SC 29072 | AFLAC | $45 | — | $45 | 1.02% |
| DARLENE M MILLER3 | 86 EATON ROAD PENNSVILLE, NJ 08070 | AFLAC | $28 | — | $28 | 0.64% |
| CHRISTINE WHITE3 | 271 UNDERHILL RD SOUTH ORANGE, NJ 07079 | AFLAC | $15 | — | $15 | 0.34% |
| DARLENE S DILLON3 | 55 E END AVE. CARNEYS POINT, NJ 08069 | AFLAC | $11 | — | $11 | 0.25% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC. | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $11 | — | $11 | 0.25% |
| CONROY AND ASSOC BENEFITS INC.3 | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $8 | — | $8 | 0.18% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $8 | — | $8 | 0.18% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $4 | — | $4 | 0.09% |
| THOMAS J POPPERT3 | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $4 | — | $4 | 0.09% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE. STE 105 PISCATAWAY, NJ 08854 | AFLAC | $1 | — | $1 | 0.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151 | — | $151 | 8.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $97 | — | $97 | 14.48% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 3.43% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 8 | $4K |
| Vision | VISION SERVICE PLAN | 203 | $31K |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $516K |
| Short-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $296K |
| Long-term disability(8 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $494K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.