| 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. | $14K | $205K | $218K | 3.99% |
| STERLING AND STERLING, INC.3 | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | HORIZON HEALTHCARE SERVICES, INC. | $25K | — | $25K | 4.88% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 12.04% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $683 | $4K | 12.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENRY PKWY W VEVA 16 SUITE 320 BLUE BELL, NJ 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 20.58% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | EMPIRE STATE BLDG, 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $3K | $1K | $4K | 16.90% |
| USI INSURANCE SERVICES LLC3 | 601 UNION ST SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $491 | $491 | 2.03% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $452 | $116 | $568 | 12.57% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BO 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 3.74% |
| PENELOPE ELLEN DEAN3 | 3600 S OCEAN BLVD S PALM BEACH, FL 33480 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 3.44% |
| ELLEN E BERG3 | 319 THOMASTON RD WATERTOWN, CT 06795 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.49% |
| VENESSA N DEAN3 | 1052 ASHFORD AVE SAN JUAN, PR 00907 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.49% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.49% |
| BRIAN R WADE3 | 925 ORONOKE RD WATERBURY, CT 06708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.30% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $43 | — | $43 | 8.17% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 343 CORAL REEF WAY HARDEEVILLE, SC 29927 | AFLAC | $8 | — | $8 | 1.52% |
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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 672 | $6.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 672 | $5.5M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 672 | $5.5M |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 524 | $59K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 3 | $2K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 524 | $82K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 672 | $6.0M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 672 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.