| 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. | $5K | — | $5K | 0.21% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $974 | $3K | 18.06% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $385 | $385 | 2.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST P.O. BOX 99106 CAMDEN NJ, NJ 09101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $489 | $2K | 12.98% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $351 | $351 | 2.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | VISION SERVICE PLAN | $899 | — | $899 | 6.34% |
| GREENBERG & RAPP FINANCIAL GROUP3 | STE 750, 67 EAST PARK PLACE MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $644 | — | $644 | 4.64% |
| 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 | — | $277 | $277 | 2.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST P.O. BOX 99106 CAMDEN, NJ 08101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | $1K | $259 | $1K | 15.12% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | — | $179 | $179 | 2.00% |
| GREENBERG & RAPP FINANCIAL GROUP3 | STE 750,67 EAST PARK PLACE MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 4.64% |
| 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 | — | $88 | $88 | 1.99% |
| VINCENT MORELLI3 | 75 HUMBOLD ST #1 EAST RUTHERFORD, NJ 07073 | AFLAC | $134 | — | $134 | 3.05% |
| STUART MIGDON3 | 1909 JOSEPH CT WALL TOWNSHIP, NJ 07719 | AFLAC | $58 | — | $58 | 1.32% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE CT ATCO, NJ 08004 | AFLAC | $53 | — | $53 | 1.21% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $25 | — | $25 | 0.57% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $21 | — | $21 | 0.48% |
| MELISSA A SCHOFIELD3 | 5552 W NORTHWOOD DR. GLENDALE, AZ 85310 | AFLAC | $18 | — | $18 | 0.41% |
| GEORGE PADRON3 | 11 S CENTRAL AVE., APT 2115 PHOENIX, AZ 85004 | AFLAC | $15 | — | $15 | 0.34% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | AFLAC | $9 | — | $9 | 0.20% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $4 | — | $4 | 0.09% |
| REY ROSTAMI3 | P.O. BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $2 | — | $2 | 0.05% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D'AGOSTINO | 87A BOORAEM AVE. JERSEY CITY, NJ 07307 | AFLAC | $2 | — | $2 | 0.05% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DR. NORTH KINGSTON, RI 02852 | AFLAC | $2 | — | $2 | 0.05% |
| TOMAS FLORES3 | 2030 HUDSON ST. APT. 942 FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METLIFE LEGAL PLANS | $293 | — | $293 | 7.99% |
| GREENBERG & RAPP FINANCIAL GROUP3 | STE 750, 67 EAST PARK PLACE MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 4.64% |
| 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 | — | $48 | $48 | 2.01% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $238 | $56 | $294 | 16.08% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $37 | $37 | 2.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $321 | — | $321 | 25.02% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 197 | $2.3M |
| Dental | AETNA LIFE INSURANCE CO. | 197 | $2.3M |
| Vision | VISION SERVICE PLAN | 109 | $14K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $30K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 39 | $22K |
| Long-term disability(4 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 9 | $22K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 197 | $2.3M |
| Other(7 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
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.