| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | UNITEDHEALTHCARE INSURANCE COMPANY | $135K | — | $135K | 3.31% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 1.05% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY, 15TH FL NEW YORK, NY 10007 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.49% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNITEDHEALTHCARE INSURANCE COMPANY | $823 | — | $823 | 0.41% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY, 15TH FL NEW YORK, NY 10007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 8.83% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.17% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY, 15TH FL NEW YORK, NY 10007 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 17.61% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY, 15TH FL NEW YORK, NY 10007 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 8.41% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.69% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METLIFE LEGAL PLANS | $357 | — | $357 | 4.72% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY, 15TH FL NEW YORK, NY 10007 | METLIFE LEGAL PLANS | $86 | — | $86 | 1.14% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY, 15TH FL NEW YORK, NY 10007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $580 | — | $580 | 8.75% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $415 | — | $415 | 6.26% |
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 | 306 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $4.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $203K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $40K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 436 | $83K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 154 | $34K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $4.1M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 436 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.