| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COAST FINANCIAL GROUP INC3 | 150 RIVER ROAD SUITE K-4 MONTVILLE, NJ 07045 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.58% |
| INTERNAL PLANNING ALL LLC3 | 300 BROADACRES DRIVE SUITE 175 BLOOMFIELD, NJ 07003 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70 | — | $70 | 0.15% |
| ROSE & KIERNAN INC3 Filed as: ROSE M SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $210 | — | $210 | 2.89% |
| DESARNO BENEFITS LLC3 | 72 RAYMERE AVE INTERLAKEN, NJ 08823 | AFLAC | $135 | — | $135 | 1.86% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $101 | — | $101 | 1.39% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $64 | — | $64 | 0.88% |
| RACHAEL FERRANTE3 | 1052 NOBLE PLACE SEWELL, NJ 08080 | AFLAC | $62 | — | $62 | 0.85% |
| BRUCE B BARRETT3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $44 | — | $44 | 0.60% |
| RACHAEL FERRANTE3 | 44 BERKSHIRE DR HOWELL, NJ 07731 | AFLAC | $21 | — | $21 | 0.29% |
| RUSSEL T BARRETT3 | 37 JESSICA TRCE GANSEVOORT, NY 12831 | AFLAC | $19 | — | $19 | 0.26% |
| GAIL R BERGER3 | 13 HUNTERS RUN OCEANPORT, NJ 07757 | AFLAC | $5 | — | $5 | 0.07% |
| DOMINICK R SIRACUSA3 | 223 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $3 | — | $3 | 0.04% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN ROAD PHOENIX, CT 85023 | AFLAC | $1 | — | $1 | 0.01% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | AFLAC | $155 | — | $155 | 3.95% |
| ROSE & KIERNAN INC3 Filed as: ROSE M SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $150 | — | $150 | 3.82% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $52 | — | $52 | 1.33% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $28 | — | $28 | 0.71% |
| RACHAEL FERRANTE3 | 1052 NOBLE PL SEWELL, NJ 08080 | AFLAC | $19 | — | $19 | 0.48% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $11 | — | $11 | 0.28% |
| RACHAEL FERRANTE3 | 44 BERKSHIRE DR HOWELL, NJ 07731 | AFLAC | $6 | — | $6 | 0.15% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $5 | — | $5 | 0.13% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | — | $2 | 0.05% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.03% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LANE MT ARLINGTON, NJ 07856 | AFLAC | $1 | — | $1 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $21K |
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 | 66 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $46K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $46K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $57K |
| Short-term disability(2 contracts) | AFLAC | 7 | $11K |
| Long-term disability(2 contracts) | AFLAC | 7 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.