| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 3.91% |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $32K | — | $32K | 30.43% |
| THE HAMILTON CONSULTING CORP.3 | 113 FLORAL VALE BOULEVARD YARDLEY, PA 19067 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $14K | — | $14K | 13.04% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $5K | — | $5K | 6.77% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $3K | — | $3K | 4.49% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY, STE 550 PLANO, TX 750244019 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 26.00% |
| THE HAMPTON CONSULTING CORP.3 | 113 FLORAL VALE BOULEVARD YARDLEY, PA 190675522 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.69% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY, STE 550 PLANO, TX 750244019 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 25.63% |
| THE HAMPTON CONSULTING CORP.3 | 113 FLORAL VALE BOULEVARD YARDLEY, PA 190675522 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.35% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY, STE 550 PLANO, TX 750244019 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 24.18% |
| THE HAMPTON CONSULTING CORP.3 | 113 FLORAL VALE BOULEVARD YARDLEY, PA 190675522 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.16% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | $236 | — | $236 | 10.79% |
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 | 799 | 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) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,662 | $162K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 475 | $131K |
| Life insurance(2 contracts, 2 carriers) | BANKERS FIDELITY LIFE INSURANCE COMPANY | 797 | $183K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA (NEW YORK LIFE) | 206 | $69K |
| Other(8 contracts, 4 carriers) | BANKERS FIDELITY LIFE INSURANCE COMPANY | 1,662 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,662 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.