| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $51K | $0 | $51K | 3.55% |
| UNKNOWN3 | UNKNOWN LINDEN, NJ 07036 | FIDELITY SECURITY LIFE INSURANCE | $14K | $0 | $14K | 15.00% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD, SUITE B LINWOOD, NJ 08221 | AFLAC | $3K | $0 | $3K | 6.49% |
| JEANNINE ALISSA BAUER3 Filed as: JEANNINE BAUER | 127 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $1K | $129 | $2K | 3.34% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $1K | $177 | $2K | 3.30% |
| MJ INSURANCE3 Filed as: THOMAS VOLPE AND VARIOUS AGENTS | 5218 ATLANTIC AVENUE MAYS LANDING, NJ 08330 | AFLAC | $1K | $3 | $1K | 3.12% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12B LINWOOD, NJ 08221 | AFLAC | $915 | $146 | $1K | 2.26% |
| SHARON L SPARKS-RENAUD3 Filed as: SHARON L. SPARKS-RENAUD | 75 CARNEY DRIVE CARNEYS POINT, NJ 08069 | AFLAC | $465 | $92 | $557 | 1.19% |
| MITCHELL N HNATT3 Filed as: MITCHELL N. HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $431 | $0 | $431 | 0.92% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 10.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NATIONAL FINANCIAL PARTNERS | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSTIN, TX 78746 | UNION SECURITY INSURANCE COMPANY | $0 | $61 | $61 | 0.40% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | USABLE LIFE | $1K | $173 | $1K | 17.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST, SUITE M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $657 | $657 | 7.77% |
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 | 582 | 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) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 166 | $1.4M |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 166 | $1.5M |
| Vision | UNION SECURITY INSURANCE COMPANY | 132 | $15K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 582 | $55K |
| Short-term disability | AFLAC | 39 | $47K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 166 | $1.4M |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE | 582 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.