| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | ANTHEM BLUE CROSS AND BLUE SHIELD | $87K | — | $87K | 3.47% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 3.95% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.95% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 13.30% |
| COMMERCE INSURANCE SERVICE INC3 | 8000 FORSYTH BLV STE 1200 ST LOUIS, MO 63105 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.72% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $142 | $142 | 0.23% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY) | $2K | — | $2K | 9.43% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $284 | — | $284 | 4.03% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $140 | — | $140 | 1.98% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $251 | — | $251 | 4.01% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $124 | — | $124 | 1.98% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $194 | — | $194 | 4.01% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $96 | — | $96 | 1.99% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $45 | — | $45 | 3.99% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $22 | — | $22 | 1.95% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $45 | — | $45 | 3.99% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $22 | — | $22 | 1.95% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $44 | — | $44 | 4.03% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $22 | — | $22 | 2.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $35 | — | $35 | 4.01% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $17 | — | $17 | 1.95% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $29 | — | $29 | 3.99% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $14 | — | $14 | 1.93% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $25 | — | $25 | 4.05% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $12 | — | $12 | 1.94% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $16 | — | $16 | 4.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $8 | — | $8 | 2.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $13 | — | $13 | 3.98% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $6 | — | $6 | 1.83% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $9 | — | $9 | 4.13% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $4 | — | $4 | 1.83% |
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 | 700 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 518 | $2.5M |
| Dental(13 contracts, 13 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 438 | $176K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 518 | $2.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 546 | $61K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 546 | $61K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 546 | $61K |
| Prescription drug | ANTHEM BLUE CROSS AND BLUE SHIELD | 518 | $2.5M |
| Other(15 contracts, 15 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 700 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.