| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 3.06% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 1.97% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 2.01% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.76% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | $6K | $65K | 34.67% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN GENERAL INSURANCE COMPANY | $19K | — | $19K | 10.77% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $4K | $43K | 30.90% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKKELEW | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $3K | $38K | 33.92% |
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 | 2,473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,220 | $438K |
| Dental(2 contracts) | DELTA DENTAL OF ILLINOIS | 1,743 | $1.4M |
| Vision(2 contracts) | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 1,565 | $174K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,492 | $414K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,491 | $406K |
| Other(6 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,492 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,492 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.