| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $81K | $0 | $81K | 3.49% |
| UNKNOWN3 | UNKNOWN LINDEN, NJ 07036 | FIDELITY SECURITY LIFE INSURANCE | $15K | $0 | $15K | 15.00% |
| CHARLES H. FINKELDAY3 | 323 OAKBOURNE AVE GALLOWAY, NJ 08205 | AFLAC | $2K | $0 | $2K | 7.63% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES | 609 NEW ROAD, SUITE B LINWOOD, NJ 08221 | AFLAC | $1K | $0 | $1K | 4.03% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $727 | $0 | $727 | 2.23% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETON, NJ 19709 | AFLAC | $460 | $0 | $460 | 1.41% |
| MJ INSURANCE3 Filed as: SHARON SPARKS AND VARIOUS AGENTS | 75 CARNEY DRIVE CARNEYS POINT, NJ 08069 | AFLAC | $332 | $0 | $332 | 1.02% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 325 WEST GROVELAND AVENUE SOMERS POINT, NJ 08244 | AFLAC | $328 | $0 | $328 | 1.00% |
| MITCHELL N HNATT3 Filed as: MITCHELL N. HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $135 | $0 | $135 | 0.41% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES | 609 NEW ROAD LINWOOD, NJ 08221 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.93% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES | 124 TURNER STREET MANTUA, NJ 08051 | USABLE LIFE | $1K | $0 | $1K | 14.23% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | USABLE LIFE | $0 | $746 | $746 | 7.51% |
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 | 572 | 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) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 199 | $2.3M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 199 | $2.3M |
| Vision | VISION SERVICE PLAN | 172 | $21K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 572 | $43K |
| Short-term disability | AFLAC | 28 | $33K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 199 | $2.3M |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE | 572 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.