| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $8K | $0 | $8K | 2.80% |
| BROKER UNKNOWN3 | — | FIDELITY SECURITY LIFE INSURANCE | $19K | $0 | $19K | 15.00% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES LLC | 124 TURNER STREET MANTUA, NJ 08051 | USABLE LIFE | $6K | $0 | $6K | 7.67% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $3K | $3K | 3.82% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES | 609 NEW RD LINWOOD, NJ 08221 | VISION SERVICE PLAN | $4K | $0 | $4K | 8.93% |
| CHARLES H. FINKELDAY3 Filed as: CHARLES H FINKELDAY | 323 OAKBOURNE AVENUE GALLOWAY, NJ 08205 | AFLAC | $2K | $112 | $2K | 5.46% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES LLC | 609 NEW ROAD, SUITE B LINWOOD, NJ 08221 | AFLAC | $681 | $0 | $681 | 1.67% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $593 | $3 | $596 | 1.47% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $153 | $0 | $153 | 0.38% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | AFLAC | $136 | $12 | $148 | 0.36% |
| MICHAEL HENSH3 | 64 KERRY LYNN CT WILLIAMSTOWN, NJ 08094 | AFLAC | $106 | $17 | $123 | 0.30% |
| MITCHELL N HNANT3 | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $116 | $0 | $116 | 0.29% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $102 | $8 | $110 | 0.27% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 325 WEST GROVELAND AVENUE SOMERS POINT, NJ 08244 | AFLAC | $77 | $0 | $77 | 0.19% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | PO BOX 721 SOMERS POINT, NJ 08244 | AFLAC | $51 | $0 | $51 | 0.13% |
| SHARON L SPARKS-RENAUD3 | 75 CARNEY DR CARNEYS POINT, NJ 08069 | AFLAC | $48 | $0 | $48 | 0.12% |
| THOMAS VOLPE3 | 6 N NEW HAMPSHIRE AVE UNIT 2A ATLANTIC CITY, NJ 08401 | AFLAC | $48 | $0 | $48 | 0.12% |
| JESSICA MOST3 | 377 VAN DYKE PL BAYVILLE, NJ 08721 | AFLAC | $29 | $0 | $29 | 0.07% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $22 | $0 | $22 | 0.05% |
| EDWARD P LYNCH3 | 1020 STANTON AVE ELIZABETH, NJ 07208 | AFLAC | $16 | $0 | $16 | 0.04% |
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 | 865 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 125 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 401 | $329K |
| Vision | VISION SERVICE PLAN | 331 | $43K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 865 | $119K |
| Short-term disability | AFLAC | 38 | $41K |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE | 865 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 865 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.