| 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 | — | $28K | $28K | 1.80% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER ST, P.O. BOX 99106 CAMDEN, NJ 08101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 1.90% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS, INC., CORESTREAM | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $8K | — | $8K | 8.72% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5100 TAMIAMI TRAIL SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION BENEFITS SERVICES, INC. | 2300 RENAISSANCE BLVD. #220 KING OF PRUSSIA, PA 19406 | METLIFE LEGAL PLANS | — | $38 | $38 | 0.04% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $23K | — | $23K | 31.59% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | — | $27K | 46.52% |
| PIGGOT DANIEL M3 | 578 BURKE HOLLOW DR MONUMENT, CO 80132 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$28 | — | -$28 | -0.05% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$75 | — | -$75 | -0.13% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 51.30% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.22% |
| PIGGOT DANIEL M3 | 578 BURKE HOLLOW DR MONUMENT, CO 80132 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 3,794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTH ADVOCATE SOLUTIONS, INC. | 3,852 | $201K |
| Dental(11 contracts, 11 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,464 | $2.3M |
| Vision | INDEPENDENCE BLUE CROSS (DAVIS VISION) | 6,575 | $284K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,794 | $1.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,760 | $722K |
| Other(20 contracts, 18 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,357 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,575 | — |
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.