| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICK H MEYERS3 | 1 PROGRESS PLACE VOORHEES, NJ 08043 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.13% |
| PHILIP R STERN3 | 1148 WRACK RD MEADOWBROOK, PA 19046 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.71% |
| MCLAUGHLIN ASSET MANAGEMENT, INC.3 | 20 EAST REDMAN AVENUE P.O. BOX 218 HADDONFIELD, NJ 08033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $856 | $5K | 2.42% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 3.78% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH PO BOX 989 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 19.98% |
| MCLAUGHLIN ASSET MANAGEMENT, INC.3 | 20 EAST REDMAN AVENUE P.O. BOX 218 HADDONFIELD, NJ 08033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$8 | — | -$8 | -0.02% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $2K | — | $2K | 9.09% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $855 | — | $855 | 4.68% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SRVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $457 | — | $457 | 2.50% |
| FRANK KABAY3 | 1438 COLWELL LN APT 303 CONSHOHOCKEN, PA 194281183 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVCS | PO BOX 632886 CINCINNATI, OH 452632886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.17% |
| NICK H MEYERS3 | 1 PROGRESS PLACE VOORHEES, NJ 08043 | STANDARD INSURANCE COMPANY | $477 | — | $477 | 5.33% |
| PHILIP R STERN3 | 1148 WRACK RD MEADOWBROOK, PA 19046 | STANDARD INSURANCE COMPANY | $159 | — | $159 | 1.78% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | TELADOC, INC. | $844 | — | $844 | 13.65% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 225 | $24K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 709 | $176K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 351 | $22K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 321 | $250K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $18K |
| Long-term disability | STANDARD INSURANCE COMPANY | 297 | $218K |
| Other(7 contracts, 6 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 321 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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.