| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47K | $47K | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION BENEFITS SERVICES, INC. | 2300 RENAISSANCE BLVD. #220 KING OF PRUSSIA, PA 194062772 | HYATT LEGAL PLANS | — | $37 | $37 | 0.04% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | — | $607 | $607 | 1.84% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $652 | — | $652 | 15.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | — | $320 | 14.99% |
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 | 4,519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 311 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTERN HEALTH ADVANTAGE | 29 | $174K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,211 | $2.8M |
| Vision | INDEPENDENCE BLUE CROSS | 8,006 | $318K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,784 | $2.8M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,784 | $2.8M |
| Other(8 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,784 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,006 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.