| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $68K | $21K | $89K | 4.76% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 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 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $11K | — | $11K | 14.45% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | — | $2K | $2K | 2.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | — | $1K | $1K | 1.50% |
| 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) | $967 | — | $967 | 4.23% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $175 | — | $175 | 4.02% |
| 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. | $86 | — | $86 | 1.97% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $171 | — | $171 | 4.02% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $84 | — | $84 | 1.97% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $156 | — | $156 | 4.03% |
| 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. | $77 | — | $77 | 1.99% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $101 | — | $101 | 4.01% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $50 | — | $50 | 1.99% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $50 | — | $50 | 4.05% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $24 | — | $24 | 1.94% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $45 | — | $45 | 4.04% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $22 | — | $22 | 1.98% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $45 | — | $45 | 4.04% |
| 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 | 1.98% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $23 | — | $23 | 3.96% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $11 | — | $11 | 1.89% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $21 | — | $21 | 3.95% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $11 | — | $11 | 2.07% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $18 | — | $18 | 3.91% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $9 | — | $9 | 1.96% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $18 | — | $18 | 4.13% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $9 | — | $9 | 2.06% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF OHIO, INC. | $16 | — | $16 | 4.13% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF OHIO, INC. | $8 | — | $8 | 2.07% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $8 | — | $8 | 4.12% |
| 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 | 2.06% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $6 | — | $6 | 4.14% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $3 | — | $3 | 2.07% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $5 | — | $5 | 4.13% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $2 | — | $2 | 1.65% |
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 | 894 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 700 | $1.9M |
| Dental(16 contracts, 16 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 537 | $156K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 513 | $1.9M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | 1,119 | $78K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | 1,119 | $78K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | 1,119 | $78K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 513 | $1.9M |
| Other(17 contracts, 17 carriers) | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | 1,119 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,119 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.