| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $265K | $45K | $310K | 10.19% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $15K | $35K | 2.55% |
| PATRICIA DOXZEN3 Filed as: PATRICIA L DOXZEN | 502 WASHINGTON AVE STE 600 TOWSON, MD 21204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 12.46% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 11.69% |
| DARLENE S DILLON3 | 120 WOODSIDE ROAD LEXINGTON, SC 29072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $185 | — | $185 | 0.17% |
| FREDERICK W WILSON III3 | 573 BELLEVUE RD NEWARK, DE 19713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | — | $144 | 0.14% |
| JOSE A SCHIENEMAN3 | 1881 S CARRAIGE LN CHANDLER, AZ 85286 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.05% |
| ELLEN M CRAWFORD3 | 105 VERSAILLES CIR APT C TOWSON, MD 21204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.04% |
| RACHEL PENNINGTON3 Filed as: RACHEL A PENNINGTON | 16 WESTMINSTER DRIVE BERLIN, MD 21811 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METLIFE LEGAL PLANS | $5K | $888 | $6K | 22.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINSTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $1.3M |
| BDO USA, LLP EIN 13-5381590 ACCOUNTANT | Accounting (including auditing) Service code 10 | 3 EXECUTIVE CAMPUS, SUITE 250 CHERRY HILL, NJ 08002 | $40K |
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 | 1,944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA HEALTH PLAN | 32 | $257K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,107 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,107 | $1.4M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 613 | $106K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,107 | $1.4M |
| Prescription drug | HMSA HEALTH PLAN | 32 | $257K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,175 | $3.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,107 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,107 | — |
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."
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.