| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT PIASSEK3 | 221 PAWNEE ROAD CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES INC. | $98K | — | $98K | 3.50% |
| ROBERT PIASSEK3 | 221 PAWNEE ROAD CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES INC. | $16K | — | $16K | 3.51% |
| ROBERT PIASSEK3 | 221 PAWNEE ROAD CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES INC | $7K | — | $7K | 2.97% |
| ROBERT PIASSEK3 | 221 PAWNEE RD. CRANFORD, NJ 07016 | THE STANDARD | $8K | — | $8K | 5.08% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | THE STANDARD | $6K | — | $6K | 3.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE STANDARD | $3K | — | $3K | 2.04% |
| ROBERT PIASSEK3 | 221 PAWNEE RD. CRANFORD, NJ 07016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.26% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVEENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $8 | $8 | 0.02% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $3K | $109 | $3K | 7.79% |
| MICHAEL S ANDERSON3 Filed as: MICHAEL S. ANDERSON | 74 DAWSON AVE FL 2 BOONTON, NJ 07005 | AFLAC | $2K | $0 | $2K | 5.80% |
| RONALD L SILVERMAN3 Filed as: RONALD L. SILVERMAN | 6 TROY DRIVE UNIT D SPRINGFIELD, NJ 07081 | AFLAC | $1K | $22 | $1K | 3.50% |
| JASON D HARTMAN3 Filed as: JASON D. HARTMAN | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $508 | $0 | $508 | 1.50% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS RD SUITE 200E MILFORD, CT 06461 | AFLAC | $277 | — | $277 | 0.82% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $170 | $0 | $170 | 0.50% |
| RICHARD WHELAN3 | 1462 SEQUOIA CIR TOMS RIVER, NJ 08753 | AFLAC | $126 | $22 | $148 | 0.44% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $34 | $22 | $56 | 0.17% |
| RUSSELL T BARRETT3 Filed as: RUSSELL T. BARRETT | 145 N. FRANKLIN TPKE SUITE 118 RAMSEY, NJ 07446 | AFLAC | $35 | $0 | $35 | 0.10% |
| ANDBEE CORP3 Filed as: ANDBEE CORP. | PO BOX 84 SOUTHFIELDS, NY 10975 | AFLAC | $21 | $0 | $21 | 0.06% |
| ANDREA CHESLEY3 | 11 68TH ST. #2 GUTTENBERG, NJ 07093 | AFLAC | $20 | $0 | $20 | 0.06% |
| BRIAN SANET3 | 11 RIDGE AVE PARK RIDGE, NJ 07656 | AFLAC | $11 | $0 | $11 | 0.03% |
| LISA M WYLIE3 Filed as: LISA M. WYLIE | 255 MASSACHUSETTS AVE. APT 419 BOSTON, MA 02115 | AFLAC | $9 | $0 | $9 | 0.03% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK R. SIRACUSA | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $8 | $0 | $8 | 0.02% |
| SAMANTHA E GOOLER3 Filed as: SAMANTHA E. GOOLER | 15 KEVIN DR. SUFFERN, NY 10901 | AFLAC | $2 | $0 | $2 | 0.01% |
| CARMINE IANNACONE3 | 203 STUYVESANT AVE. LYNDHURST, NJ 07071 | AFLAC | $154 | — | $154 | 3.90% |
| RONALD L SILVERMAN3 Filed as: RONALD L. SILVERMAN | 9 TROY DRIVE UNIT D SPRINGFIELD, NJ 07071 | AFLAC | $134 | — | $134 | 3.39% |
| GEORGE GIAMARINO3 | 360 HARDING AVE LYNDHURST, NJ 07081 | AFLAC | $88 | — | $88 | 2.23% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK R. SIRACUSA | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $70 | — | $70 | 1.77% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 22 CORPORATE WOODS BLVD. 4TH FLOOR ALBANY, NY 12211 | AFLAC | $28 | — | $28 | 0.71% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK R. SIRACUSA | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $6 | — | $6 | 0.15% |
| MICHAEL J PERRI3 Filed as: MICHAEL J. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | $158 | $490 | 13.19% |
| JEFF M NEWMAN3 Filed as: JEFF M. NEWMAN | 14 FARMINGTON DR. MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $60 | $319 | 8.58% |
| KENNETH ALAN SMITH3 | 342 S. QUEEN ST. LANCASTER, PA 17603 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $11 | $216 | 5.81% |
| LISA A PERRI3 Filed as: LISA A. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $13 | $88 | 2.37% |
| STEVIE KIRCHER3 | 1371 ORIENTAL AVE GLOUCESTER CITY, NJ 08030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $8 | $70 | 1.88% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC | 126 FOXSHIRE DRIVE SUITE 1 LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $2 | $17 | 0.46% |
| LAWRENCE PRICHARD3 | 110 BRIDAL PATH NEW HOLLAND, PA 17557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.40% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | ACE USA | $654 | — | $654 | 25.02% |
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 | 304 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC. | 240 | $2.8M |
| Dental | HORIZON HEALTHCARE SERVICES INC | 259 | $241K |
| Life insurance(3 contracts, 3 carriers) | THE STANDARD | 304 | $188K |
| Short-term disability(2 contracts) | AFLAC | 46 | $38K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD | 304 | $184K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC. | 155 | $460K |
| Other(3 contracts, 3 carriers) | THE STANDARD | 327 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.