| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | — | $12K | $12K | 4.14% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $5K | $12K | 4.52% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $5K | $10K | 3.86% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $3K | $28K | 17.00% |
| 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 | $100 | — | $100 | 0.11% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | FIRST UNUM LIFE INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | FIRST UNUM LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| 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 | $4K | $300 | $4K | 5.31% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.63% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $503 | — | $503 | 0.63% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | SUITE 300 2 BALA PLAZA BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $370 | — | $370 | 0.46% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET,P.O. BOX 99106 CAMDEN, NJ 08101 | NATIONAL VISION ADMINISTRATORS, LLC (HEARTLAND) | $6K | — | $6K | 10.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $795 | $795 | 2.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | TELADOC HEALTH, INC. | $5K | — | $5K | 15.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | SUITE 300 2 BALA PLAZA BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | — | $112 | 2.44% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74 | $19 | $93 | 2.03% |
| 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 | $87 | — | $87 | 1.90% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.26% |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 705 | $287K |
| Dental | AETNA LIFE INSURANCE CO. | 1,170 | $285K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC (HEARTLAND) | 977 | $56K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 719 | $372K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $255K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $264K |
| Other(10 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 719 | $922K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,170 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.