| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $60K | $0 | $60K | 3.57% |
| UNKNOWN3 | UNKNOWN LINDEN, NJ 07036 | FIDELITY SECURITY LIFE INSURANCE | $15K | $0 | $15K | 15.00% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES LLC | 609 NEW ROAD, SUITE B LINWOOD, NJ 08221 | AFLAC | $1K | $0 | $1K | 2.90% |
| SHARON L SPARKS-RENAUD3 Filed as: SHARON SPARKS-RENAUD AND OTHER AGTS | 75 CARNEY DRIVE CARNEYS POINT, NJ 08069 | AFLAC | $532 | $0 | $532 | 1.48% |
| CHARLES H. FINKELDAY3 Filed as: CHARLES H. FINDELDAY | 323 OAKBOURNE AVENUE GALLOWAY, NJ 08205 | AFLAC | $524 | $0 | $524 | 1.46% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $478 | $0 | $478 | 1.33% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $396 | $0 | $396 | 1.10% |
| MITCHELL N HNATT3 Filed as: MITCHELL N. HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $251 | $0 | $251 | 0.70% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $188 | $0 | $188 | 0.52% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES LLC | 609 NEW ROAD LINWOOD, NJ 08221 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 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 Filed as: HAFETZ AND ASSOCIATES LLC | 124 TURNER STREET MANTUA, NJ 08051 | USABLE LIFE | $1K | $0 | $1K | 16.27% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $478 | $478 | 5.73% |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 160 | $1.7M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 160 | $1.7M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $18K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 355 | $44K |
| Short-term disability | AFLAC | 24 | $36K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 160 | $1.7M |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE | 355 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.