| 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 | — | $33K | $33K | 2.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER ST, P.O. BOX 99106 CAMDEN, NJ 08101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 2.13% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS, INC., CORESTREAM | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $10K | — | $10K | 9.36% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5100 TAMIAMI TRAIL SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | — | $2K | $2K | 2.09% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | — | $27K | 31.04% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 19.87% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 31.28% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 59.39% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $59 | $59 | 3.83% |
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 | 4,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HEALTH ADVOCATE SOLUTIONS, INC. | 3,956 | $283K |
| Dental(8 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,788 | $2.4M |
| Vision | INDEPENDENCE BLUE CROSS (DAVIS VISION) | 6,336 | $275K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,897 | $1.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,860 | $764K |
| Other(17 contracts, 14 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,956 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,788 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.