| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COASTAL BENEFITS3 Filed as: COASTAL FINANCIAL GROUP INC | 150 RIVER ROAD SUITE E3 MONTVILLE, NJ 07045 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.60% |
| INTERNL PLANNING ALL LLC3 | 300 BROADACRES DRIVE SUITE 175 BLOOMFIELD, NJ 07003 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $77 | — | $77 | 0.15% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $613 | — | $613 | 7.88% |
| STANLEY VENNIKOV3 | 209 RONALD CT MANALAPAN, NJ 07726 | AFLAC | $219 | — | $219 | 2.81% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $205 | — | $205 | 2.63% |
| MICHAEL DESARNO | 1901 SATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $132 | — | $132 | 1.70% |
| RACHAEL FERRANTE3 | 44 BERKSHIRE DR HOWELL, NJ 07731 | AFLAC | $98 | — | $98 | 1.26% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 09709 | AFLAC | $81 | — | $81 | 1.04% |
| ANDBEE CORP3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $44 | — | $44 | 0.57% |
| GAIL R BERGER3 | 13 HUNTERS RUN OCEANPORT, NJ 07757 | AFLAC | $5 | — | $5 | 0.06% |
| DOMINICK R SIRACUSA3 | 225 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% |
| RUSSEL T BARRET | 27 JULIANS WAY SATARTOGA SPRINGS, NY 12866 | AFLAC | — | — | $0 | 0.00% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $210 | — | $210 | 4.19% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $182 | — | $182 | 3.63% |
| STANLEY VENNIKOV3 | 209 RONALD COURT MANALAPAN, NJ 07726 | AFLAC | $80 | — | $80 | 1.60% |
| RACHAEL FERRANTE3 | 44 BERKSHIRE DR HOWELL, NJ 07731 | AFLAC | $55 | — | $55 | 1.10% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $47 | — | $47 | 0.94% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $42 | — | $42 | 0.84% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $28 | — | $28 | 0.56% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAP MAY COURT HOUSE, NJ 08210 | AFLAC | $10 | — | $10 | 0.20% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $10 | — | $10 | 0.20% |
| GAIL R BERGER3 | 13 HUNTERS RUN OCEANPORT, NJ 07757 | AFLAC | $5 | — | $5 | 0.10% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $5 | — | $5 | 0.10% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $2 | — | $2 | 0.04% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $2 | — | $2 | 0.04% |
| TIMONTHY MCDERMOTT3 | 29 MAPLE LANE MT ARLINGTON, NJ 07856 | AFLAC | $1 | — | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $40K |
| WELLPOWER INC EIN 22-3530108 NONE | Claims processing Service code 12 | 150 RIVER ROAD MONTVILLE, NJ 07045 | $802 |
| COASTAL FINANCIAL GROUP INC EIN 22-3211956 NONE | Insurance agents and brokers Service code 22 | 150 RIVER ROAD MONTVILLE, NJ 07045 | $142 |
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(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $64K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $51K |
| Life insurance(2 contracts) | AFLAC | 8 | $13K |
| Short-term disability(2 contracts) | AFLAC | 8 | $13K |
| Long-term disability(2 contracts) | AFLAC | 8 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59 | — |
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.