| 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. | $103K | — | $103K | 3.74% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 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 | $4K | — | $4K | 1.95% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 14.00% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $160 | $160 | 0.18% |
| 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) | $1K | — | $1K | 4.31% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $341 | — | $341 | 4.03% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $168 | — | $168 | 1.98% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $277 | — | $277 | 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. | $137 | — | $137 | 1.99% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $222 | — | $222 | 4.02% |
| 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. | $109 | — | $109 | 1.97% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $216 | — | $216 | 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. | $107 | — | $107 | 1.99% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $53 | — | $53 | 4.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $26 | — | $26 | 1.96% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $48 | — | $48 | 4.04% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $23 | — | $23 | 1.94% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $47 | — | $47 | 4.06% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $23 | — | $23 | 1.98% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $31 | — | $31 | 4.01% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $15 | — | $15 | 1.94% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $27 | — | $27 | 4.08% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $13 | — | $13 | 1.96% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $22 | — | $22 | 3.99% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $11 | — | $11 | 1.99% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $14 | — | $14 | 3.90% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $7 | — | $7 | 1.95% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $9 | — | $9 | 4.07% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $4 | — | $4 | 1.81% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF OHIO, INC. | $9 | — | $9 | 4.07% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF OHIO, INC. | $4 | — | $4 | 1.81% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $8 | — | $8 | 4.15% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $4 | — | $4 | 2.07% |
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 | 749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 524 | $2.8M |
| Dental(15 contracts, 15 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 564 | $216K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 524 | $2.8M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 833 | $87K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 833 | $87K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 833 | $87K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 524 | $2.8M |
| Other(16 contracts, 16 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 833 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.