| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW CO. INC. | P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $6K | $13K | 3.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 1.41% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW | P.O. BOX 99106 401 ROUTE 73 N., STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.52% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW | P.O. BOX 99106 401 ROUTE 73 N., STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $6K | 6.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $380 | — | $380 | 0.42% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW | P.O. BOX 99106 401 ROUTE 73 N., STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 6.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | PO BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $462 | — | $462 | 0.69% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW, INC. | P.O. BOX 99106 CAMDEN, NJ 08101 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | $3K | — | $3K | 5.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | $2K | — | $2K | 3.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 800 BOYLSTON STREET BOSTON, MA 52199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | $1K | — | $1K | 1.66% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW | P.O. BOX 99106 401 ROUTE 73 N., STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW | P.O. BOX 99106 401 ROUTE 73 N., STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW | P.O. BOX 99106 401 ROUTE 73 N., STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW | P.O. BOX 99106 401 ROUTE 73 N., STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $204 | $40 | $244 | 9.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $119 | — | $119 | 4.42% |
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 | 1,008 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,043 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,442 | $358K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | 1,175 | $62K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $142K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $91K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,442 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.