| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES INC | $88K | — | $88K | 3.47% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES INC | $24K | — | $24K | 3.47% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | THE STANDARD | $6K | — | $6K | 2.02% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | THE STANDARD | $5K | — | $5K | 1.85% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | THE STANDARD | $2K | — | $2K | 0.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE STANDARD | $634 | — | $634 | 0.22% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES INC | $7K | — | $7K | 2.95% |
| MICHAEL S ANDERSON3 | 74 DAWSON AVE FL 2 BOONTON, NJ 07005 | AFLAC | $2K | $306 | $2K | 5.46% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $2K | $51 | $2K | 5.36% |
| RONALD L SILVERMAN3 | 6 TROY DRIVE UNIT D SPRINGFIELD, NJ 07081 | AFLAC | $988 | — | $988 | 2.94% |
| JASON D HARTMAN3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $437 | — | $437 | 1.30% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $241 | — | $241 | 0.72% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $149 | — | $149 | 0.44% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $92 | — | $92 | 0.27% |
| ANTHONY G COLLINCINI3 | 60 WALNUT AVE STE 302 CLARK, NJ 07066 | AFLAC | $50 | — | $50 | 0.15% |
| RUSSELL T BARRETT3 | 145 N FRANKLIN TPKE STE 118 RAMSEY, NJ 07446 | AFLAC | $32 | — | $32 | 0.10% |
| ANDBEE CORP3 | PO BOX 84 SOUTHFIELDS, NY 10975 | AFLAC | $19 | — | $19 | 0.06% |
| ANDREA CHESLEY3 | 11 68TH ST ST 2 GUTTENBERG, NJ 07093 | AFLAC | $17 | — | $17 | 0.05% |
| ANDREA CHESLEY3 | 11 68TH ST ST 2 GUTTENBERG, NJ 07093 | AFLAC | $14 | — | $14 | 0.04% |
| MELISSA A SCHOFIELD3 | 34 WATCH HILL DR MIDDLETOWN, CT 06457 | AFLAC | $11 | — | $11 | 0.03% |
| BRIAN SANET3 | 11 RIDGE AVE PARK RIDGE, NJ 07656 | AFLAC | $10 | — | $10 | 0.03% |
| LISA M WYLIE3 | 38 LYME ST APT 207 MALDEN, MA 02148 | AFLAC | $8 | — | $8 | 0.02% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $7 | — | $7 | 0.02% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $7 | — | $7 | 0.02% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $5 | — | $5 | 0.01% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D DAGOSTINO | 271 US HIGHWAY 46 STE D207 FAIRFIELD, NJ 07004 | AFLAC | $4 | — | $4 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $4 | — | $4 | 0.01% |
| TOMAS FLORES3 | 4201 N OCEAN BLVD BLDG C APT 1403 BOCA RATON, FL 33431 | AFLAC | $3 | — | $3 | 0.01% |
| SAMANTHA E GOOLER3 | 15 KEVIN DR SUFFERN, NY 10901 | AFLAC | $2 | — | $2 | 0.01% |
| WENDY CALIENDO3 | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | HORIZON INSURANCE COMPANY | $2K | — | $2K | 8.94% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $120 | $351 | 11.51% |
| JEFF M NEWMAN3 | 14 FARMINGTON DR MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $42 | $223 | 7.31% |
| KENNETH ALAN SMITH3 | 342 S QUEEN ST LANCASTER, PA 17603 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $3 | $169 | 5.54% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $15 | $66 | 2.16% |
| STEVIE KIRCHER3 | 109 MIDDLESEX ST GLOUCESTER CITY, NJ 08030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.59% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC | 126 FOXSHIRE DR STE 1 LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.43% |
| LAWRENCE PRICHARD3 | 110 BRIDAL PATH NEW HOLLAND, PA 17557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.39% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| CARMINE IANNACONE3 | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC | $111 | — | $111 | 3.94% |
| RONALD L SILVERMAN3 | 6 TROY DRIVE UNIT D SPRINGFIELD, NJ 07081 | AFLAC | $82 | — | $82 | 2.91% |
| GEORGE GIAMARINO3 | 360 HARDING AVE LYNDHURST, NJ 07071 | AFLAC | $81 | — | $81 | 2.87% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $55 | — | $55 | 1.95% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $22 | — | $22 | 0.78% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $2 | — | $2 | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $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 | 298 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 237 | $2.5M |
| Dental | HORIZON HEALTHCARE SERVICES INC | 260 | $241K |
| Vision | HORIZON INSURANCE COMPANY | 245 | $26K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD | 298 | $288K |
| Short-term disability(2 contracts) | AFLAC | 41 | $36K |
| Long-term disability | THE STANDARD | 298 | $285K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 143 | $699K |
| Other(2 contracts, 2 carriers) | THE STANDARD | 332 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.