| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $28K | — | $28K | 9.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | MUTUAL OF OMAHA INSURANCE COMPANY | $25K | $0 | $25K | 15.00% |
| PREPARE BENEFITS, LLC5 | 10524 MOSS PARK ROAD, SUITE 206-306 ORLANDO, FL 32832 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $225 | $225 | 0.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | COMPANION LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| PREPARE BENEFITS, LLC5 | 10524 MOSS PARK ROAD, SUITE 206-306 ORLANDO, FL 32832 | COMPANION LIFE INSURANCE COMPANY | $0 | $5K | $5K | 7.40% |
| MAXINE E AMDUR3 Filed as: MAXINE E. AMDUR | 3 SCOTT LANE MANALAPAN, NJ 07726 | AFLAC | $1K | $362 | $2K | 8.30% |
| MICHAEL DZIUBA3 | 2 FRANCES STREET CLIFTON, NJ 07014 | AFLAC | $1K | $0 | $1K | 7.52% |
| NICHOLAS MIRANDI3 | 72 BARBUDA STREET TOMS RIVER, NJ 08757 | AFLAC | $389 | $57 | $446 | 2.41% |
| MARILYN GOLDFISCHER3 | 124 WEST SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $444 | $0 | $444 | 2.40% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER J. BURRIS | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $217 | $53 | $270 | 1.46% |
| CHRISTOPHER STROUD3 | 1332 MONMOUTH AVENUE TOMS RIVER, NJ 08757 | AFLAC | $166 | $0 | $166 | 0.90% |
| CHRISTINE KLAG3 | 120 PINE NEEDLE DRIVE TOMS RIVER, NJ 08753 | AFLAC | $115 | $0 | $115 | 0.62% |
| MAXINE E AMDUR3 Filed as: MAXINE AMDUR | 3 SCOTT LANE MANALAPAN, NJ 07726 | AFLAC | $1K | $34 | $1K | 7.93% |
| JAMES FOSTER3 | 140 ROLLING MEADOWS BOULEVARD SOUTH OCEAN, NJ 07712 | AFLAC | $185 | $0 | $185 | 1.27% |
| NICHOLAS MIRANDI3 | 72 BARBUDA STREET TOMS RIVER, NJ 08757 | AFLAC | $158 | $8 | $166 | 1.14% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER J. BURRIS | 377 VAN DYKE PLACE BAYVILLE, NJ 08721 | AFLAC | $148 | $8 | $156 | 1.07% |
| RICHARD DEGENNARO3 | 662 BROOKSIDE DRIVE BELFORD, NJ 07718 | AFLAC | $135 | $0 | $135 | 0.93% |
| RAYMOND J LAPINSKI3 Filed as: RAYMOND J. LAPINSKI | 26 MAIN STREET, SUITE J TOMS RIVER, NJ 08753 | AFLAC | $96 | $0 | $96 | 0.66% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE APARTMENT 902 HOBOKEN, NJ 07030 | AFLAC | $85 | $0 | $85 | 0.58% |
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 | 330 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 286 | $284K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 286 | $284K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 286 | $284K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 330 | $227K |
| Short-term disability(3 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 330 | $200K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 330 | $167K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 286 | $284K |
| Other(3 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 330 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.