| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN LINDEN, NJ 07036 | FIDELITY SECURITY LIFE INSURANCE | $28K | $0 | $28K | 15.00% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES LLC | 124 TURNER STREET MANTUA, NJ 08051 | USABLE LIFE | $5K | $0 | $5K | 8.80% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $3K | $3K | 4.65% |
| CHARLES H. FINKELDAY3 Filed as: CHARLES FINKLEDAY | 323 OAKBOURNE AVENUE GALLOWAY, NJ 08205 | AFLAC | $6K | $78 | $6K | 13.90% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $1K | $18 | $1K | 2.73% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES LLC | 609 NEW ROAD, SUITE 8 LINWOOD, NJ 08221 | AFLAC | $753 | $0 | $753 | 1.63% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $572 | $14 | $586 | 1.27% |
| MJ INSURANCE3 Filed as: BRIAN CIESLAK AND VARIOUS AGENTS | 325 WEST GROVELAND AVENUE SOMERS POINT, NJ 08244 | AFLAC | $457 | $4 | $461 | 1.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $195 | $0 | $195 | 0.42% |
| MITCHELL N HNATT3 Filed as: MITCHELL HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $125 | $0 | $125 | 0.27% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES LLC | 609 NEW ROAD LINWOOD, NJ 08221 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.25% |
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 | 668 | 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) | 668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 0 | $0 |
| Dental(2 contracts, 2 carriers) | AFLAC | 47 | $46K |
| Vision | VISION SERVICE PLAN | 375 | $33K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 668 | $104K |
| Short-term disability | AFLAC | 47 | $46K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 0 | $0 |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE | 668 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.