| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 Filed as: CONNOR STRONG & BUCKELEW COMPANIES | 401 ROUTE 73 N, PO BOX 989 MARLTON, NJ 08053 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 4.90% |
| WILLIAM J. NICHOLAS3 | 5084 DORSEY HALL DRIVE SUITE 105 ELLICOTT CITY, MD 21042 | UNITED HEALTHCARE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| WILLIAM J. NICHOLAS3 | 5084 DORSEY HALL DRIVE SUITE 105 ELLICOTT CITY, MD 21042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNER STRONG & BUCKELEW, LLC EIN 21-0718159 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $67K |
| CORESOURCE, INC. EIN 35-1846036 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $46K |
| AETNA - PPO EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $19K |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 206 | $100K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 206 | $100K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.