| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $53K | $53K | 3.85% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $26K | — | $26K | 4.07% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5100 TAMIAMI TRAIL SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | $8K | $3K | $11K | 14.06% |
| HARRIS S. FISHMAN3 Filed as: HARRIS S FISHMAN | 1000 CORPORATE DR STE 700 FORT LAUDERDALE, FL 333343638 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 20.54% |
| ANTHONY SPATICHIA3 | 2 BALA PLZ STE 901 BALA CYNWYD, PA 190041501 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 32.27% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 13.24% |
| PIGGOT DANIEL M3 | 578 BURKE HOLLOW DR MONUMENT, CO 80132 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 1.31% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $63 | $1K | 15.82% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $282 | — | $282 | 8.49% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 3.43% |
| PIGGOT DANIEL M3 | 578 BURKE HOLLOW DR MONUMENT, CO 80132 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.33% |
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 | 3,671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 642 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE 65 | 3,830 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,096 | $2.3M |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE 65 | 6,572 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,690 | $1.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,657 | $645K |
| Prescription drug | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE 65 | 630 | $1.2M |
| Other(8 contracts, 7 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,357 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,096 | — |
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.