| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | CIGNA HEALTH NETWORK | $16K | $1K | $17K | 5.82% |
| GEORGE ROSENTHAL3 | 1000 CRAWFORD PLACE SUITE 100 MT. LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 4.95% |
| GEORGE ROSENTHAL3 | 1306 BROOK VIEW CIRCLE MARLTON, NJ 08053 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 5.36% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $851 | — | $851 | 4.87% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $87 | — | $87 | 5.23% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $27 | — | $27 | 4.33% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $25 | — | $25 | 6.01% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $13 | — | $13 | 6.25% |
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 | 729 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH NETWORK | 444 | $319K |
| Vision | CIGNA HEALTH NETWORK | 444 | $298K |
| Life insurance(2 contracts) | AETNA LIFE INSURANCE CO. | 763 | $403K |
| Long-term disability(2 contracts) | AETNA LIFE INSURANCE CO. | 763 | $403K |
| Other(7 contracts, 6 carriers) | AETNA LIFE INSURANCE CO. | 763 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.