| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER ST, P.O. BOX 99106 CAMDEN, NJ 08101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 0.66% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER ST, P.O. BOX 99106 CAMDEN, NJ 08101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 1.12% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS, INC, CORESTREAM | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $10K | $2K | $12K | 11.64% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 23.30% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 19.63% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 32.36% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $785 | — | $785 | 30.39% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16 | $16 | — |
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 | 4,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HEALTH ADVOCATE SOLUTIONS, INC. | 4,134 | $315K |
| Dental(10 contracts, 10 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,035 | $2.4M |
| Vision | INDEPENDENCE BLUE CROSS (DAVIS VISION) | 6,229 | $274K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,159 | $1.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,118 | $829K |
| Other(19 contracts, 16 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,199 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,035 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.