| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COAST FINANCIAL GROUP INC3 | 150 RIBER ROAD SUITE K-4 MONTVILLE, NJ 07045 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.89% |
| INTERNAL PLANNING ALL LLC3 | 300 BROADACRES DRIVE SUITE 175 BLOOMFIELD, NJ 07003 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $71 | — | $71 | 0.16% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $353 | $34 | $387 | 5.06% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $159 | $17 | $176 | 2.30% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $108 | — | $108 | 1.41% |
| RACHAEL FERRANTE3 | 44 BERKSHIRE DRIVE HOWELL, NJ 07731 | AFLAC | $86 | — | $86 | 1.12% |
| STANLEY VENNIKOV3 | 209 RONALD CT MANALAPAN, NJ 07726 | AFLAC | $73 | — | $73 | 0.95% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $69 | — | $69 | 0.90% |
| BRUCE B BARRETT3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $33 | — | $33 | 0.43% |
| RUSSELL T BARRETT3 | 61 PORCUPINE CIRCLE BALLSTON SPA, NY 12020 | AFLAC | $19 | — | $19 | 0.25% |
| ANDBEE CORP3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $11 | — | $11 | 0.14% |
| GIAL R BERGER3 | 13 HUNTERS RUN OCEAN PORT, NJ 07757 | AFLAC | $5 | — | $5 | 0.07% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE 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 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $171 | $7 | $178 | 3.71% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $52 | — | $52 | 1.08% |
| RACHAEL FERRANTE3 | 44 BERKSHIRE DR HOWELL, NJ 07731 | AFLAC | $51 | — | $51 | 1.06% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $41 | — | $41 | 0.85% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $28 | — | $28 | 0.58% |
| STANLEY VENNIKOV3 | 209 RONALD COURT MANALAPAN, NJ 07726 | AFLAC | $27 | — | $27 | 0.56% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $20 | $1 | $21 | 0.44% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $8 | — | $8 | 0.17% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE APT 902 HOBOKEN, NJ 07030 | AFLAC | $5 | — | $5 | 0.10% |
| GAIL R BERGER3 | 13 HUNTERS RUN OCEANPORT, NJ 07757 | AFLAC | $4 | — | $4 | 0.08% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | — | $2 | 0.04% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.02% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LANE MT ARLINGTON, NJ 07856 | AFLAC | $1 | — | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $19K |
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 | 81 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 71 | $58K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 71 | $45K |
| Life insurance(2 contracts) | AFLAC | 8 | $12K |
| Short-term disability(2 contracts) | AFLAC | 8 | $12K |
| Long-term disability(2 contracts) | AFLAC | 8 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.