| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMPBELL PETRIE, INC.3 | 570 W MOUNT PLEASANT AVE. STE 104 LIVINGSTON, NJ 07039 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.58% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $518 | $5K | 5.58% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | 2 AQUARIUM DR. STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18 | $18 | 0.02% |
| SHANNON MOORE3 | 9 CAPE COD AVE. BARNEGAT, NJ 08005 | AFLAC | $1K | $223 | $1K | 5.29% |
| EDWARD J MOORE3 | 9 CAPE COD AVE. BARNEGAT, NJ 08005 | AFLAC | $1K | $146 | $1K | 4.77% |
| CHRISTOPHER J BURRIS3 | 377 VAN DYKE PL. BAYVILLE, NJ 08721 | AFLAC | $572 | $87 | $659 | 2.46% |
| KATHLEEN LAPINSKI3 | 1251 CAPSTAN DR. FORKED RIVER, NJ 08731 | AFLAC | $445 | $103 | $548 | 2.04% |
| RAYMOND J LAPINSKI3 | 1251 CAPSTAN DR. FORKED RIVER, NJ 08731 | AFLAC | $394 | $31 | $425 | 1.59% |
| JOSEPH INFANTE3 | 319 S STILES ST. LINDEN, NJ 07036 | AFLAC | $396 | — | $396 | 1.48% |
| CRISTINE LAPINSKI3 | 708 OCEAN RD. SPRING LAKE, NJ 07762 | AFLAC | $394 | — | $394 | 1.47% |
| JESSICA MOST3 | 377 VAN DYKE PL. BAYVILLE, NJ 08721 | AFLAC | $202 | — | $202 | 0.75% |
| NICHOLAS MIRANDI3 | 72 BARBUDA ST. TOMS RIVER, NJ 08757 | AFLAC | $126 | — | $126 | 0.47% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD. CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $48 | — | $48 | 0.18% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE. STE 105 PISCATAWAY, NJ 08854 | AFLAC | $25 | — | $25 | 0.09% |
| ADAM MAGGIO3 | 1025 MAXWELL LN. APT 902 HOBOKEN, NJ 07030 | AFLAC | $22 | — | $22 | 0.08% |
| RUSSELL E BURT3 | 51 HILLTOP AVE. BLACKWOOD, NJ 08012 | AFLAC | $7 | — | $7 | 0.03% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL. EGG HARBOR, NJ 08234 | AFLAC | $4 | — | $4 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $4 | — | $4 | 0.01% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD. STE 600 TARRYTOWN, NY 10591 | AFLAC | $3 | — | $3 | 0.01% |
| AMY K FOY3 | 804 MCCOY RD. FRANKLIN LAKES, NJ 07417 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN. MT. ARLINGTON, NJ 07856 | AFLAC | $1 | — | $1 | 0.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR. STE 200 CAMDEN, NJ 08103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $277 | $3K | 16.50% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $92K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $18K |
| Short-term disability | AFLAC | 68 | $27K |
| Long-term disability | AFLAC | 68 | $27K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.