| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFTEZ AND ASSOCIATES3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $96K | — | $96K | 4.78% |
| UNKNOWN3 | UNKNOWN LINDEN, NJ 07036 | FIDELITY SECURITY LIFE INSURANCE | $16K | — | $16K | 15.00% |
| EDWARD ELLIS3 | 10 WILSON AVENUE MATAWAN, NJ 07747 | AFLAC | $3K | $68 | $3K | 17.44% |
| MITCHELL N HNATT3 Filed as: MITCHELL N. HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $704 | $20 | $724 | 4.03% |
| MICHAEL BUTTERFIELD3 | 3120 FIRE ROAD, SUITE B102 EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $547 | $20 | $567 | 3.16% |
| MJ INSURANCE3 Filed as: JUSTIN BURTON AND VARIOUS AGENTS | 200 MAPLE AVENUE CAMBRIDGE, MD 21613 | AFLAC | $538 | $5 | $543 | 3.02% |
| MITCHELL N HNATT3 Filed as: MITCHELL N. HNATT | 2164 ROUTE 35, 2ND FLOOR BUILDING D SEA GRIT, NJ 08750 | AFLAC | $274 | — | $274 | 1.53% |
| EDWARD P LYNCH3 Filed as: EDWARD P. LYNCH | 1020 STANTON AVENUE ELIZABETH, NJ 07208 | AFLAC | $215 | — | $215 | 1.20% |
| GERALD CROSS3 | 158 CORBETT ROAD STROUGHTON, MA 02072 | AFLAC | $181 | $1 | $182 | 1.01% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES | 609 NEW ROAD LINWOOD, NJ 08221 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 9.99% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 146 | $2.0M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 146 | $2.0M |
| Vision | UNION SECURITY INSURANCE COMPANY | 97 | $12K |
| Life insurance | AFLAC | 19 | $18K |
| Short-term disability | AFLAC | 19 | $18K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 146 | $2.0M |
| Other(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE | 139 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.