| 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 | $36K | $9K | $45K | 3.88% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $22K | $5K | $27K | 2.33% |
| BGRAND BENEFITS, LLC3 Filed as: BGRAND BENEFITS LLC | 10 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | HARTFORD LIFE AND ACCIDENT | $88K | $18K | $106K | 47.47% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.61% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 10.70% |
| CAPSTONE INSURANCE GROUP3 | 8 SPRING HOUSE INNOVATION PARK SUITE 202 LOWER GWYNEDD, PA 19002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.80% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.08% |
| THE FOLEY INSURANCE AGENCY, INC.3 Filed as: THE FOLEY INSURANCE AGENCY INC. | 8 SPRING HOUSE INNOVATION PARK AMBLER, PA 190021220 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.37% |
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 | 842 | 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) | 842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 998 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $80K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $80K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 998 | $224K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 998 | $224K |
| Prescription drug(3 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 207 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 998 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 998 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.