| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS, INC., CORESTREAM | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $7K | $1 | $7K | 10.44% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5100 TAMIAMI TRAIL SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | — | $2K | $2K | 2.26% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $44K | — | $44K | 63.39% |
| HARRIS S. FISHMAN3 Filed as: HARRIS S FISHMAN | 1000 CORPORATE DR STE 700 FORT LAUDERDALE, FL 333343638 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.94% |
| ANTHONY SPATICHIA3 | 2 BALA PLZ STE 901 BALA CYNWYD, PA 190041501 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 7.39% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.67% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $889 | — | $889 | 3.15% |
| PIGGOT DANIEL M3 | 578 BURKE HOLLOW DR MONUMENT, CO 80132 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $116 | — | $116 | 0.41% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $483 | — | $483 | 13.04% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | — | $195 | 5.27% |
| PIGGOT DANIEL M3 | 578 BURKE HOLLOW DR MONUMENT, CO 80132 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.27% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $49 | $49 | — |
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 | 3,711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | WEST HEALTH ADVOCATE SOLUTIONS, INC. | 3,758 | $174K |
| Dental(9 contracts, 9 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,642 | $2.3M |
| Vision | INDEPENDENCE BLUE CROSS (DAVIS VISION) | 6,151 | $270K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,699 | $1.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,657 | $692K |
| Other(16 contracts, 15 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,357 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,642 | — |
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."
No prospect flags tripped on this filing.