| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFIT CONCEPTS3 Filed as: ADVANTAGE BENEFIT CONCEPTS INC | ROUTE 168 N SUITE A-1 TURNERSVILLE, NJ 08012 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 4.53% |
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING INC. | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $41K | $41K | 2.72% |
| MICHAEL PALLOZZI3 | 209 ROWAN BLVD GLASSBORO, NJ 08028 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 2.66% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 2.45% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 21 EAST 5TH AVENUE CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN INS MARSH MCLENNAN AGENCY | 3625 N ELM ST, STE 200 GREENSBORO, NC 274552604 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 5.35% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS | 413 MARLTON PIKE EAST SUITE 3 CHERRY HILL, NJ 08034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $8K | $30K | 7.35% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.46% |
| DOMINIC A MORRONE3 Filed as: DOMINIC MORRONE | 900 ROUTE 168 N SUITE A-1 TURNERSVILLE, NJ 08012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 8.44% |
| CHARLES H. FINKELDAY3 Filed as: CHARLES H FINKELDAY | 323 EAST OAKBOURNE AVENUE GALLOWAY, NJ 08205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.28% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD STE 12-B LINWOOD, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.26% |
| THOMAS VOLPE3 | 927 N MAIN STREET SUITE A-6 PLEASANTVILLE, NJ 08232 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.95% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.57% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 5 HOLDEN CT EGG HARBOR TOWNSHIP, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.21% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $304 | — | $304 | 0.28% |
| LORETTA MACOMBER3 | 4012 IVINS AVENUE EGG HARBOR TOWNSHIP, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.12% |
| ANTHONY WEISBECKER3 | 121 CLUB PLACE GALLOWAY, NJ 08205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| ADVANTAGE BENEFIT CONCEPTS3 | WASHINGTON PROFESSIONAL CAMPUS 900 ROUTE 168 SUITE A-1 TURNERSVILLE, NJ 08012 | VISION SERVICE PLAN | $3K | — | $3K | 5.80% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | VISION SERVICE PLAN | $553 | — | $553 | 1.20% |
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 | 903 | 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) | 908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 416 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,251 | $406K |
| Vision | VISION SERVICE PLAN | 378 | $46K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,251 | $513K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 391 | $107K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 391 | $107K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 416 | $2.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,251 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,251 | — |
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.