| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $93K | $94K | 2.96% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NH 080371363 | UNITED HEALTHCARE INSURANCE COMPANY | $561 | $53K | $54K | 1.70% |
| US MIDATLANTIC INC.3 | 1 INTERNATIONAL PLAZA SUITE 400 PHILADELPHIA, PA 191131535 | UNITED HEALTHCARE INSURANCE COMPANY | — | $43K | $43K | 2.58% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNITED HEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 2.16% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $6K | $21K | 6.59% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 3.83% |
| US MIDATLANTIC INC.3 Filed as: US MIDATLANTIC INC | 1 INTERNATIONAL PLAZA SUITE 400 PHILADELPHIA, PA 191131535 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 1.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS - KEYSTONE | $7K | — | $7K | 2.35% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE SUITE 215 PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS - KEYSTONE | $4K | — | $4K | 1.25% |
| US MIDATLANTIC INC.3 | 1 INTERNATIONAL PLAZA SUITE 400 PHILADELPHIA, PA 191131535 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $24 | $7K | 4.86% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & STRONG | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3K | $7K | 4.79% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 8.51% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 BORTH P.O. BOX 989 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $875 | — | $875 | 1.53% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE SUITE 215 PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $276 | — | $276 | 0.48% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 17.01% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.03% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 9898 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 16.61% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $143 | $2K | 7.57% |
| US MIDATLANTIC INC.3 | 1 INTERNATIONAL PLAZA SUITE 400 PHILADELPHIA, PA 19113 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $24 | $1K | 3.58% |
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 | 816 | 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) | 816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 603 | $5.3M |
| Dental(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $625K |
| Vision | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 11 | $57K |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $625K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $159K |
| Long-term disability(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $625K |
| Prescription drug(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 603 | $5.2M |
| Other(6 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $715K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.