| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $131K | $131K | 3.47% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $14K | $14K | 1.77% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 1.65% |
| CONNER STRONG & BUCKELEW | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $961 | $961 | 1.72% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $775 | $775 | 1.78% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $3K | — | $3K | 15.00% |
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 | 1,890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,689 | $3.8M |
| Dental(12 contracts, 12 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,689 | $3.8M |
| Vision(3 contracts) | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 3,772 | $209K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,089 | $44K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 390 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 26 | $410K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,689 | $3.8M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,648 | $868K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,772 | — |
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.