| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH PO BOX 989 MARLTON, NJ 08053 | HORIZON HEALTHCARE SERVICES, INC. | $37K | — | $37K | 4.86% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH PO BOX 989 MARLTON, NJ 08053 | AETNA | $2K | — | $2K | 6.42% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH PO BOX 989 MARLTON, NJ 08053 | KANAWHA INSURANCE COMPANY (HUMANA) | $2K | — | $2K | 13.84% |
| SCARLET RODRIGUEZ3 | 1935 CHESTNUT ST. APT 2F PHILADELPHIA, PA 19103 | AFLAC | $378 | — | $378 | 3.52% |
| RANDOLPH HAMILTON3 | 2116 MAGNOLIA CT. CINNAMINSON, NJ 08077 | AFLAC | $281 | — | $281 | 2.62% |
| DARLENE S DILLON3 | 282 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $205 | — | $205 | 1.91% |
| CIRO ABRIL3 | 18 BRACKEN CT. HOWELL, NJ 07731 | AFLAC | $160 | — | $160 | 1.49% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 P.O. BOX 989 MARLTON, NJ 08053 | AFLAC | $99 | — | $99 | 0.92% |
| ALEXIS MIESES RODRIGUEZ3 | 524 W. LEHIGH AVE. PHILADELPHIA, PA 19133 | AFLAC | $62 | — | $62 | 0.58% |
| VICTOR M VELEZ3 | 401 CUMBRIAN COURT WEST CHESTER, PA 19382 | AFLAC | $59 | — | $59 | 0.55% |
| CAROLYN E MORRISON3 Filed as: CAROLYN E ABERNATHY | 55 EAST END AVENUE CARNEYS POINT, NJ 08069 | AFLAC | $56 | — | $56 | 0.52% |
| ANGELA T HAMILTON3 | 2116 MAGNOLIA COURT CINNAMINSON, NJ 08077 | AFLAC | $53 | — | $53 | 0.49% |
| JOSE A SCHIENEMAN3 | 1020 N. DELAWARE. AVE. 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $33 | — | $33 | 0.31% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC. INC. | ONE NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $22 | — | $22 | 0.20% |
| MG BERGER INC3 | 1020 N DELAWARE AVE SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $12 | — | $12 | 0.11% |
| EDIANA MARTINEZ3 | 602 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $10 | — | $10 | 0.09% |
| EDIANA MARTINEZ3 | 927 N MAIN STREET STE. A6 PLEASANTVILLE, NJ 08232 | AFLAC | $8 | — | $8 | 0.07% |
| LARRY D DENNY3 Filed as: LARRY C. KENNEY | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $5 | — | $5 | 0.05% |
| MATTHEW G BERGER3 | 1020 N DELAWARE AVE. SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $4 | — | $4 | 0.04% |
| KEVIN M SMITH3 | 4065 REDBUD CIRCLE DOYLESTOWN, PA 18902 | AFLAC | $3 | — | $3 | 0.03% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH PO BOX 989 MARLTON, NJ 08053 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $248 | — | $248 | 5.00% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 79 | $759K |
| Dental | AETNA | 75 | $34K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 87 | $5K |
| Life insurance(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY (HUMANA) | 163 | $24K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 79 | $759K |
| Other(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY (HUMANA) | 163 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.