| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99016 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $5K | — | $5K | 3.82% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99016 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $900 | — | $900 | 6.27% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99016 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99016 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $999 | — | $999 | 12.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99016 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $953 | — | $953 | 19.99% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99016 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $546 | — | $546 | 19.99% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99016 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $103 | — | $103 | 6.62% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99016 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $130 | — | $130 | 12.03% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99016 CAMDEN, NJ 08101 | IDIQ (COUNTRYWIDE PRE-PAID LEGAL SERVICES, INC.) | $79 | — | $79 | 9.97% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99016 CAMDEN, NJ 08101 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $24 | — | $24 | 6.94% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 18 | $18K |
| Dental(3 contracts, 3 carriers) | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | 38 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | 380 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | 380 | $142K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $1.0M |
| Other(9 contracts, 6 carriers) | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | 380 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.