| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW CO INC | PO BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $93K | $99K | 3.76% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $70K | $75K | 2.83% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG COMPANIES | PO BOX 99106 CAMDEN, NJ 08101 | HARTFORD LIFE AND ACCIDENT | $7K | $103 | $7K | 4.88% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE 3809 WEST CHESTER PIKE SUITE 190 NEWTON SQUARE, PA 19073 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 0.88% |
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 | 379 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $2.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $2.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 416 | $136K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 416 | $136K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $2.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 416 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.