| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2421 ATLANTIC AVE MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 6.12% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET,P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 2.35% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 1.44% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2421 ATLANTIC AVE. MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 10.07% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 4.15% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.34% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2421 ATLANTIC AVE. MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.33% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $825 | $3K | 1.74% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.33% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 452632886 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10K | — | $10K | 7.16% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $592 | $4K | 2.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $2K | $2K | 1.43% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 452632886 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $13K | — | $13K | 13.83% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $2K | $2K | 2.40% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $99 | $27 | $126 | 0.14% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2421 ATLANTIC AVE. MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.68% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.58% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $877 | $211 | $1K | 1.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O BOX 632886 CINCINNATI, OH 452632886 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $9K | — | $9K | 14.85% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH ST. STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $2K | $2K | 2.60% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNOR STRONG & BUCKELEW | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $117 | $36 | $153 | 0.24% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $39 | $2K | 4.94% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $481 | $18 | $499 | 1.36% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICES, | PO BOX 632886 CINCINNATI, OH 452632886 | METLIFE LEGAL PLANS | $3K | — | $3K | 10.25% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2421 ATLANTIC AVE MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $183 | — | $183 | 3.40% |
| CONNER STRONG & BUCKELEW3 | TRIAD 1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66 | $26 | $92 | 1.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $73 | $73 | 1.36% |
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 | 1,428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 337 | $293K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $37K |
| Vision | DAVIS VISION (METROPOLITAN LIFE INSURANCE COMPANY) | 2,590 | $116K |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,675 | $1.2M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,675 | $754K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,675 | $754K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,675 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,590 | — |
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.