| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 4.07% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | $2K | $5K | $7K | 24.41% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AFLAC | $931 | — | $931 | 3.96% |
| PATRICIA DOXZEN3 Filed as: PATRICIA L DOXZEN | 11504 SAINT DAVIDS LN LUTHERVILLE, MD 21093 | AFLAC | $843 | — | $843 | 3.58% |
| WILLIE BEVERLY3 | 8721 AUTOMN RODGE CT ODENTON, MD 21113 | AFLAC | $651 | — | $651 | 2.77% |
| MICHAEL WEDGE3 Filed as: MICHAEL G WEDGE | 502 WASHINGTON AVE STE 600 TOWSON, MD 21204 | AFLAC | $448 | $138 | $586 | 2.49% |
| RANDOLPH HAMILTON3 | 2116 MAGNOLIA CT CINNAMINSON, NJ 08077 | AFLAC | $283 | — | $283 | 1.20% |
| CAROLIN BERMUDEZ3 | 703 ETHAN ALLEN AVE APT 302 TAKOMA PARK, MD 20912 | AFLAC | $276 | — | $276 | 1.17% |
| SCARLET RODRIGUEZ3 | 218 ELLIGER AVE FORT WASHINGTON, PA 19034 | AFLAC | $238 | — | $238 | 1.01% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $176 | — | $176 | 0.75% |
| MATTHEW W EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $163 | — | $163 | 0.69% |
| FREDERICK W WILSON III3 | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $117 | $41 | $158 | 0.67% |
| DARLENE S DILLON3 | 55 E END AVE CARNEYS POINT, NJ 08069 | AFLAC | $144 | — | $144 | 0.61% |
| ANGELA T HAMILTON3 | 2116 MAGNOLIA CT CINNAMINSON, NJ 08077 | AFLAC | $60 | — | $60 | 0.25% |
| DOMINICK VIETRI3 | 442 E DELP RD LANCASTER, PA 17601 | AFLAC | $41 | — | $41 | 0.17% |
| VICTOR M VELEZ3 | 401 CUMBRIAN CT WEST CHESTER, PA 19382 | AFLAC | $30 | — | $30 | 0.13% |
| CAROLYN E MORRISON3 | 118 WOODSIDE RD LEXINGTON, SC 29072 | AFLAC | $26 | — | $26 | 0.11% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $19 | — | $19 | 0.08% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $17 | — | $17 | 0.07% |
| GERALD D KNOTT SR3 | 2113 TRIMBLE RD EDGEWOOD, MD 21040 | AFLAC | $13 | — | $13 | 0.06% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $13 | — | $13 | 0.06% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $11 | — | $11 | 0.05% |
| ELLEN M CRAWFORD3 | P.O. BOX 42155 TOWSON, MD 21284 | AFLAC | $9 | — | $9 | 0.04% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DR BERLIN, MD 21811 | AFLAC | $5 | — | $5 | 0.02% |
| THOMAS J POPPERT3 | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $5 | — | $5 | 0.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $310 | — | $310 | 5.01% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $741K |
| Dental | AETNA LIFE INSURANCE CO. | 125 | $29K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 89 | $6K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 137 | $36K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $717K |
| Other(2 contracts, 2 carriers) | AFLAC | 137 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.