| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERIHEALTH INSURANCE COMPANY | $147K | — | $147K | 3.73% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS | 109 N HADDON AVE HADDONFIELD, NJ 08033 | UNION SECURITY INSURANCE COMPANY (SUNLIFE/ASSURANT) | $9K | — | $9K | 4.07% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNION SECURITY INSURANCE COMPANY (SUNLIFE/ASSURANT) | $5K | $2K | $7K | 3.95% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS | 109 N HADDON AVE HADDONFIELD, NJ 08033 | UNION SECURITY INSURANCE COMPANY (SUNLIFE/ASSURANT) | $9K | — | $9K | 14.80% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | VISION BENEFITS OF AMERICA | $876 | — | $876 | 4.38% |
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 | 705 | 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) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 509 | $4.0M |
| Dental | UNION SECURITY INSURANCE COMPANY (SUNLIFE/ASSURANT) | 433 | $171K |
| Vision | VISION BENEFITS OF AMERICA | 299 | $20K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY (SUNLIFE/ASSURANT) | 819 | $273K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY (SUNLIFE/ASSURANT) | 819 | $214K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 509 | $4.0M |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY (SUNLIFE/ASSURANT) | 819 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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."
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.