| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | HORIZON HEALTHCARE SERVICES, INC. | $61K | — | $61K | 4.81% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.48% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $22 | $22 | 0.03% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 4.48% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTER 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $1K | — | $1K | 8.54% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 101.60% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $22 | $22 | 0.40% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 166 | $1.3M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 154 | $62K |
| Vision(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 166 | $1.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 117 | $86K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 117 | $86K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 166 | $1.3M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 117 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.