| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | — | $68K | 3.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST P.O. BOX 99106 CAMDEN NJ, NJ 09101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY, STE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.91% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.19% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.48% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST P.O. BOX 99106 CAMDEN, NJ 08101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.46% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE., SUITE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.36% |
| 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 | — | $297 | $297 | 2.01% |
| VINCENT MORELLI3 | 75 HUMBOLD ST #1 EAST RUTHERFORD, NJ 07073 | AFLAC | $180 | — | $180 | 3.02% |
| STUART MIGDON3 | 1909 JOSEPH CT WALL TOWNSHIP, NJ 07719 | AFLAC | $73 | — | $73 | 1.23% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE CT ATCO, NJ 08004 | AFLAC | $53 | — | $53 | 0.89% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $33 | — | $33 | 0.55% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $26 | — | $26 | 0.44% |
| LESLEY ANN KEENAN3 | 18478 CLAYBROOK JUPITER, FL 33458 | AFLAC | $22 | — | $22 | 0.37% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $18 | — | $18 | 0.30% |
| GEORGE PADRON3 | 11 S CENTRAL AVE APT 2115 PHOENIX, AZ 85004 | AFLAC | $15 | — | $15 | 0.25% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $9 | — | $9 | 0.15% |
| ROSEMARIE DIAZ3 | 605 UNIVERSE BLVD APT T816 JUNO BEACH, FL 33408 | AFLAC | $4 | — | $4 | 0.07% |
| REY ROSTAMI3 | P.O. BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $3 | — | $3 | 0.05% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $2 | — | $2 | 0.03% |
| KEVIN MCCARTHY3 | 197 LANG DR N KINGSTOWN, RI 02852 | AFLAC | $2 | — | $2 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | 0.02% |
| TOMAS FLORES3 | 2030 HUDSON ST. APT. 942 FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.02% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE., SUITE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $308 | — | $308 | 7.44% |
| 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 | — | $83 | $83 | 2.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METLIFE LEGAL PLANS | $214 | — | $214 | 7.99% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE., SUITE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 5.97% |
| 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 | — | $44 | $44 | 1.95% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $55K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $55K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $52K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $130K |
| Long-term disability(3 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $21K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $2.3M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
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.
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.