| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRVIEW INSURANCE AGENCY3 Filed as: FAIRVIEW INSURANCE AGENCY ASSOCIATE | 12 FAIRVIEW AVE VERONA, NJ 07044 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $40K | $40K | 0.70% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $17K | $17K | 1.48% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 1.39% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.71% |
| FAIRVIEW INSURANCE AGENCY3 | 25 FAIRVIEW AVENUE VERONA, NJ 07044 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 9.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.33% |
| INSMED INS AGENCY INC3 Filed as: INSMED INSURANCE AGENCY, INC. | 500 MAMARONECK AVENUE SUITE 408 HARRISON, NY 10528 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $903 | $903 | 1.53% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $739 | $739 | 1.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.01% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $364 | $364 | 1.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RSI (GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 1.91% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.50% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.21% |
| FAIRVIEW INSURANCE AGENCY3 | 25 FAIRVIEW AVENUE VERONA, NJ 07044 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 N0RTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $172 | $172 | 1.79% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $89 | $89 | 1.19% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $402 | — | $402 | 9.98% |
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 | 25,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 318 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 66 | $26K |
| Dental(2 contracts) | DELTA DENTAL OF NJ, INC. | 814 | $1.4M |
| Vision(12 contracts, 2 carriers) | EYEMED VISION CARE (COMBINED INSURANCE COMPANY OF AMERICA) | 20,349 | $2.5M |
| Life insurance(9 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 15,572 | $7.2M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $128K |
| Long-term disability(6 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 15,572 | $7.0M |
| Other(13 contracts, 6 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 15,572 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,349 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.