| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON NISTAD3 | 108 CENTRE BLVD SUITE D MARLTON, NJ 080534132 | HORIZON HEALTHCARE SERVICES, INC. | $5K | — | $5K | 4.18% |
| JON NISTAD3 | 108 CENTRE BLVD SUITE D MARLTON, NJ 080534132 | DELTA DENTAL OF NJ, INC. | $126 | — | $126 | 1.36% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | DELTA DENTAL OF NJ, INC. | $119 | — | $119 | 1.29% |
| BERNADETTE E BLACKSTOCK3 Filed as: BERNADETTE E. BLACKSTOCK | 165 BUTCHES LANE FRANKLINVILLE, NJ 08322 | AFLAC | $328 | — | $328 | 4.36% |
| CAROLYN E MORRISON3 Filed as: CAROLYN E. MORRISON | 55 EAST END AVENUE CARNEYS POINT, NJ 08069 | AFLAC | $248 | — | $248 | 3.30% |
| DARLENE S DILLON3 Filed as: DARLENE S. DILLON | 282 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $107 | — | $107 | 1.42% |
| JERRY E HOLLAND3 Filed as: JERRY E. HOLLAND | 5 LAUREL WAY BEAR, DE 19707 | AFLAC | $34 | — | $34 | 0.45% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $32 | — | $32 | 0.43% |
| MICHAEL BUTTERFIELD3 | 3120 FIRE ROAD SUITE B102 EGG HARBOR, NJ 08234 | AFLAC | $19 | — | $19 | 0.25% |
| ANDREW PARRA3 | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $18 | — | $18 | 0.24% |
| DOROTHY M PARRA3 Filed as: DOROTHY M. PARRA | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $12 | — | $12 | 0.16% |
| PAUL M. BLACKSTOCK3 | 165 BUTCHES LANE FRANKLINVILLE, NJ 08322 | AFLAC | $6 | — | $6 | 0.08% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $4 | — | $4 | 0.05% |
| TONY J DELBEN3 Filed as: TONY J. DELBEN | 143 SANDREED DRIVE MOORESVILLE, NC 28117 | AFLAC | $2 | — | $2 | 0.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC. LLC | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MSM GENERAL AGENCY INC3 Filed as: MSM GENERAL AGENCY, INC. | P.O. BOX 060470 STATEN ISLAND, NY 10306 | STANDARD INSURANCE COMPANY | $349 | — | $349 | 5.00% |
| JON NISTAD3 | 108 CENTRE BLVD. SUITE D MARLTON, NJ 080534132 | USABLE LIFE | $450 | — | $450 | 8.72% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $258 | $258 | 5.00% |
| JON NISTAD3 | 108 CENTER BLVD. SUITE D MARLTON, NJ 080534132 | METROPOLITAN LIFE INSURANCE COMPANY | $361 | — | $361 | 15.21% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | METROPOLITAN LIFE INSURANCE COMPANY | $120 | $30 | $150 | 6.32% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 69 | $125K |
| Dental | DELTA DENTAL OF NJ, INC. | 73 | $9K |
| Life insurance | USABLE LIFE | 112 | $5K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 119 | $15K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 99 | $2K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 69 | $125K |
| Other(2 contracts, 2 carriers) | AFLAC | 112 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.