| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLIN ASSET MANAGEMENT, INC.3 | 20 EAST REDMAN AVENUE P.O. BOX 218 HADDONFIELD, NJ 08033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 8.30% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $8K | 4.65% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 18.23% |
| MCLAUGHLIN ASSET MANAGEMENT, INC.3 | 20 EAST REDMAN AVENUE P.O. BOX 218 HADDONFIELD, NJ 08033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.31% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O BOX 99106 CAMDEN, NJ 08101 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $2K | — | $2K | 9.09% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O BOX 99106 CAMDEN, NJ 08101 | COMBINED INSURANCE OF AMERICA(CHUBB) | $2K | — | $2K | 10.48% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 19.47% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O BOX 99106 CAMDEN, NJ 08101 | TELADOC, INC. | $1K | — | $1K | 14.98% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 306 | $108K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 645 | $179K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 381 | $27K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 300 | $240K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $36K |
| Long-term disability | STANDARD INSURANCE COMPANY | 263 | $259K |
| Other(7 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.