| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80K | — | $80K | 3.08% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS INC. | P.O. BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 1.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION BENEFITS SERVICES, INC. | 2300 RENAISSANCE BLVD. #220 KING OF PRUSSIA, PA 19406 | HYATT LEGAL PLANS | — | $47 | $47 | 0.05% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $494 | $61 | $555 | 16.85% |
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 | 4,719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 747 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE 65 | 606 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,141 | $2.6M |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE 65 | 7,663 | $2.7M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,302 | $2.6M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,302 | $2.6M |
| Prescription drug | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE 65 | 606 | $2.3M |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,960 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,663 | — |
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.