| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | INDEPENDENCE BLUE CROSS (KEYSTONE) | $167K | $24K | $190K | 2.44% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | INDEPENDENCE BLUE CROSS (PERSONAL CHOICE) | $118K | $26K | $144K | 2.55% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | HARTFORD LIFE AND ACCIDENT | $112K | $12K | $124K | 11.08% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 1.82% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERIHEALTH HMO, INC. | $19K | $3K | $21K | 2.27% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | DELTA DENTAL OF PENNSYLVANIA | $25K | — | $25K | 3.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | VISION SERVICE PLAN | $3K | — | $3K | 2.76% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 4.98% |
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 | 1,261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS (KEYSTONE) | 1,166 | $14.4M |
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 2,109 | $897K |
| Vision | VISION SERVICE PLAN | 1,012 | $99K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,614 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,614 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,614 | $1.1M |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS (KEYSTONE) | 1,166 | $14.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,614 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,109 | — |
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.