| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $57K | $0 | $57K | 3.05% |
| UNKNOWN3 | UNKNOWN LINDEN, NJ 07036 | FIDELITY SECURITY LIFE INSURANCE | $19K | $0 | $19K | 15.00% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD, SUITE B LINWOOD, NJ 08221 | AFLAC | $2K | $0 | $2K | 3.83% |
| MJ INSURANCE3 Filed as: THOMAS VOLPE AND VARIOUS AGENTS | 5218 ATLANTIC AVENUE MAYS LANDING, NJ 08330 | AFLAC | $1K | $230 | $1K | 3.02% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $555 | $0 | $555 | 1.31% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12B LINWOOD, NJ 08221 | AFLAC | $379 | $68 | $447 | 1.05% |
| SHARON L SPARKS-RENAUD3 Filed as: SHARON L. SPARKS-RENAUD | 75 CARNEY DRIVE CARNEYS POINT, NJ 08069 | AFLAC | $308 | $123 | $431 | 1.02% |
| MITCHELL N HNATT3 Filed as: MITCHELL N. HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $399 | $0 | $399 | 0.94% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $212 | $68 | $280 | 0.66% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 9.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $80 | $80 | 0.44% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD, SUITE B LINWOOD, NJ 08221 | USABLE LIFE | $2K | $0 | $2K | 14.15% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST, SUITE M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $832 | $832 | 7.15% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | UNION SECURITY INSURANCE COMPANY | $367 | $0 | $367 | 10.13% |
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 | 579 | 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) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 191 | $1.9M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 191 | $1.9M |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $22K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 579 | $54K |
| Short-term disability | AFLAC | 34 | $42K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 191 | $1.9M |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE | 579 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.