| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | — | $5K | 2.08% |
| TOTAL FINANCIAL CONCEPTS3 | C/O ROBERT TUZZO 106 APPLE STREET, SUITE 204 TINTON FALLS, NJ 07724 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.32% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNNER STRONG & BUCKELEW | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | ALPHA DENTAL PROGRAMS, INC. | $1K | — | $1K | 2.05% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $13K | 19.55% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.05% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $361 | $7K | 21.09% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $723 | $4K | 12.55% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $274 | $7K | 29.89% |
| CONNER STRONG & BUCKELEW3 | TRIAD 1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $537 | $4K | 15.89% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $303 | $8K | 34.57% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $602 | $5K | 19.29% |
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 | 686 | 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) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $81K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 647 | $319K |
| Vision | VISION SERVICE PLAN | 330 | $41K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 653 | $161K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 479 | $93K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 653 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.