| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $7K | $0 | $7K | 2.98% |
| UNKNOWN3 | UNKNOWN LINDEN, NJ 07036 | FIDELITY SECURITY LIFE INSURANCE | $29K | $0 | $29K | 15.00% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES LLC | 124 TURNER STREET MANTUA, NJ 08051 | USABLE LIFE | $5K | — | $5K | 8.10% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $3K | $3K | 4.20% |
| CHARLES H. FINKELDAY3 Filed as: CHARLES FINKELDAY | 323 OAKBOURNE AVENUE GALLOWAY, NJ 08205 | AFLAC | $4K | $393 | $5K | 10.64% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES LLC | 609 NEW ROAD, SUITE B LINWOOD, NJ 08221 | AFLAC | $1K | $0 | $1K | 3.12% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $1K | $60 | $1K | 2.58% |
| MJ INSURANCE3 Filed as: MICHAEL HENSH AND VARIOUS AGENTS | 64 KERRY LYNN COURT WILLIAMSTOWN, NJ 08094 | AFLAC | $586 | $0 | $586 | 1.32% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVENUE INTERLAKEN, NJ 07712 | AFLAC | $365 | $53 | $418 | 0.94% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $211 | $0 | $211 | 0.47% |
| MICHAEL DESARNO3 | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $189 | $15 | $204 | 0.46% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES | 609 NEW ROAD LINWOOD, NJ 08221 | VISION SERVICE PLAN | $4K | — | $4K | 9.18% |
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 | 765 | 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) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 339 | $279K |
| Vision | VISION SERVICE PLAN | 283 | $40K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 765 | $105K |
| Short-term disability | AFLAC | 47 | $44K |
| Other(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE | 765 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.