| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $25K | 10.40% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.63% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | ATTN MICHAEL STEPNOWSKI P.O. BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $7K | $53K | 25.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $14K | $16K | 7.56% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | GSB BUILDING ONE BELMONT AVE, SUITE 304 BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.54% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 0.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.14% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $650 | $329 | $979 | 0.57% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.96% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $723 | $312 | $1K | 0.62% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | ATTN MICHAEL STEPNOWSKI P.O. BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36K | $4K | $40K | 36.56% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $319 | $11K | 9.82% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | GSB BUILDING ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.27% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.07% |
| AKIO L. BLEY3 | GSB BUILDING ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 5.85% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | NATIONAL VISION ADMINISTRATORS, LLC | $1K | — | $1K | 4.15% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 7.77% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $64 | $64 | 0.25% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | TELADOC, INC. | $1K | — | $1K | 8.13% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | TELADOC, INC. | $796 | — | $796 | 5.49% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | ATTN MICHAEL STEPNOWSKI P.O. BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 49.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | FIRST UNUM LIFE INSURANCE COMPANY | $330 | — | $330 | 13.27% |
| AKIO L. BLEY3 | GSB BUILDING ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | FIRST UNUM LIFE INSURANCE COMPANY | $3 | — | $3 | 0.12% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 580 | $251K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 969 | $237K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 840 | $34K |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 485 | $138K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 337 | $173K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $167K |
| Other(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 580 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 969 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.