| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN A KELLEHER3 Filed as: KEVIN KELLEHER | TEN LAKE CENTER EXECUTIVE PARK 401 ROUTE 73 NORTH MARLTON, NJ 08053 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 12.02% |
| KEVIN A KELLEHER3 Filed as: KEVIN A. KELLEHER | 525 ROUTE 73 NORTH SUITE 205 MARLTON, NJ 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | — |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1800 RT 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | — |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | — |
| INDEPENDENCE PLANNING GROUP3 | L 1767 SENTRY PKWY W, #200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | — |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $68K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $68K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $68K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.