| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | $6K | $2K | $8K | 0.25% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | — | $7K | $7K | 0.24% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | — | $2K | $2K | 0.07% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST P.O. BOX 99106 CAMDEN NJ, NJ 09101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $570 | $3K | 12.25% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $425 | $425 | 2.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $626 | $3K | 16.19% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $393 | $393 | 2.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | VISION SERVICE PLAN | $1K | — | $1K | 7.59% |
| GREENBERG & RAPP FINANCIAL GROUP3 | STE 750, 67 EAST PARK PLACE MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $623 | — | $623 | 5.38% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $232 | $232 | 2.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST P.O. BOX 99106 CAMDEN, NJ 08101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | $1K | $291 | $1K | 15.38% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | — | $183 | $183 | 2.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AFLAC | $1K | — | $1K | 12.71% |
| ROSE & KIERNAN INC3 Filed as: ROSE M. SUDANO | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $573 | — | $573 | 6.29% |
| VINCE M. MORELLI3 | 75 HUMBOLDT ST., #1 EAST RUTHERFORD, NC 07073 | AFLAC | $321 | — | $321 | 3.52% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 1901 STATE ROUTE 71, STE 3B WALL, NJ 07719 | AFLAC | $153 | — | $153 | 1.68% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 203 HAVERFORD AVE., #205 NARBERTH, PA 19072 | AFLAC | $65 | — | $65 | 0.71% |
| WILLIAM JOHNSON3 | 907 WEDGEWOOD WAY ATCO, NJ 08004 | AFLAC | $53 | — | $53 | 0.58% |
| STUART MIGDON3 Filed as: STUART M. MIGDON | 485 RTE. 1 S. BUIDLING E. SUITE 300 ISELIN, NJ 08830 | AFLAC | $53 | — | $53 | 0.58% |
| DANIEL SOTO3 | 204 NATALIE DR. PHILLIPSBURG, PA 08865 | AFLAC | $29 | — | $29 | 0.32% |
| RICHARD WHELAN3 | 3887 NW 52ND ST. BOCA RATON, FL 33496 | AFLAC | $25 | — | $25 | 0.27% |
| MARY DRESSENDOFER3 | 12 CRABAPPLE CV HAMPTON, NJ 08827 | AFLAC | $20 | — | $20 | 0.22% |
| MELISSA A. SAENZ3 | 5552 W. NORTHWOOD DR. GLENDALE, AZ 85310 | AFLAC | $18 | — | $18 | 0.20% |
| DYLAN FRANCIS MONTEFORTE3 | 61 DESAI CT FREEHOLD, NJ 07728 | AFLAC | $16 | — | $16 | 0.18% |
| GEORGE PADRON3 | 11 S CENTRAL AVE. APT. 2115 PHOENIX, AZ 85004 | AFLAC | $15 | — | $15 | 0.16% |
| JOSE A SCHIENEMAN3 Filed as: JOSE A. SCHIENEMAN | 1881 S. CARRIAGE LN. CHANDLER, AZ 85286 | AFLAC | $9 | — | $9 | 0.10% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $4 | — | $4 | 0.04% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $2 | — | $2 | 0.02% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D'AGOSTINO | 124 DRS. JAMES PARKER BLVD. RED BANK, NJ 07701 | AFLAC | $2 | — | $2 | 0.02% |
| KEVIN MCCARTHY3 Filed as: KEVIN T. MCCARTHY | 197 LANG DR. NORTH KINGSTOWN, RI 02852 | AFLAC | $2 | — | $2 | 0.02% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 2030 HUDSON ST. APT. 942 FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.01% |
| GREENBERG & RAPP FINANCIAL GROUP3 | STE 750,67 EAST PARK PLACE MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 5.45% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST. STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $71 | $71 | 2.01% |
| BOON ADMINISTRATIVE SERVICES3 | DBA EM BENEFITS, 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | METLIFE LEGAL PLANS | $765 | — | $765 | 22.22% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METLIFE LEGAL PLANS | $275 | — | $275 | 7.99% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $250 | $59 | $309 | 16.06% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $39 | $39 | 2.03% |
| GREENBERG & RAPP FINANCIAL GROUP3 | STE 750, 67 EAST PARK PLACE MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 3.14% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST., SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $26 | $26 | 2.04% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 11.90% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 210 | $3.1M |
| Dental | AETNA LIFE INSURANCE CO. | 210 | $3.1M |
| Vision | VISION SERVICE PLAN | 121 | $15K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $31K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $30K |
| Long-term disability(4 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 9 | $17K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 210 | $3.1M |
| Other(7 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.