| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW CO | 40 LAKE CENTER EXECUTIVE PARK 401 ROUTE 73 N MARLTON, NJ 08053 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.21% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $779 | — | $779 | 0.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOC INC | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.66% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW CO | PO BOX 99106 CAMDEN, NJ 08101 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.41% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG COMPANIES, INC. | PO BOX 99106 CAMDEN, NJ 08101 | VISION SERVICE PLAN | $439 | — | $439 | 4.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | VISION SERVICE PLAN | $254 | — | $254 | 2.86% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $86K |
| Vision | VISION SERVICE PLAN | 100 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 91 | $56K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 91 | $56K |
| Other | HARTFORD LIFE AND ACCIDENT | 91 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.