| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $582 | $16K | 4.10% |
| KENNETH L. FRIEDMAN3 Filed as: KENNETH L FRIEDMAN | 12 CLUBSIDE DRIVE WOODMERE, NY 11598 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 3.96% |
| KENNETH L. FRIEDMAN3 | 12 CLUBSIDE DRIVE WOODMERE, NY 11598 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.44% |
| KENNETH L. FRIEDMAN3 Filed as: KENNETH L. FRIEDMAN, INC. | 119 N PARK AVENUE STE 202 ROCKVILLE CENTRE, NY 11570 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.71% |
| JOSEPH M BRZECZEK3 Filed as: JOSEPH BRZECZEK | 1006 W STATE COLLEGE ROAD SUITE 205 DOVER, DE 19904 | AFLAC | $2K | $214 | $2K | 6.51% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 242 WICKERBERRY DR MIDDLETON, DE 19709 | AFLAC | $130 | $36 | $166 | 0.45% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 60 ROUTE 46 EAST SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $63 | $0 | $63 | 0.17% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $32 | $0 | $32 | 0.09% |
| JOSEPH M BRZECZEK3 Filed as: JOSEPH BRZECZEK | 1012 COLLEGE RD STE 203 DOVER, DE 19904 | AFLAC | $207 | $0 | $207 | 7.57% |
| KELLY BRZECZEK3 | 1012 W STATE COLLEGE RD STE 203 DOVER, DE 19904 | AFLAC | $66 | $0 | $66 | 2.41% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 60 ROUTE 46 EAST SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $5 | $0 | $5 | 0.18% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $3 | $0 | $3 | 0.11% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 523 | $3.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $382K |
| Vision | VISION SERVICE PLAN | 272 | $39K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $422K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 230 | $85K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $422K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 523 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.