| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | AFLAC | $5K | $366 | $5K | 7.82% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $2K | $240 | $2K | 3.83% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $1K | $159 | $2K | 2.44% |
| MJ INSURANCE3 Filed as: RACHAEL FERRANTE AND VARIOUS AGENTS | 44 BERKSHIRE DR HOWELL, NJ 07731 | AFLAC | $963 | — | $963 | 1.51% |
| RACHAEL FERRANTE3 | 1052 NOBLE PL SEWELL, NJ 08080 | AFLAC | $897 | — | $897 | 1.41% |
| ANN MARIE RYAN3 | 145 HICKORY CORNER RD MILFORD, NJ 08848 | AFLAC | $279 | $136 | $415 | 0.65% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $253 | — | $253 | 0.40% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | USABLE LIFE | $2K | — | $2K | 10.72% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 8.71% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | TRANSAMERICA LIFE INSURANCE COMPANY | $221 | — | $221 | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84044 | TRANSAMERICA LIFE INSURANCE COMPANY | $182 | — | $182 | 1.17% |
| ADVANBEN MIDATLANTIC, LLC3 | 2 BALA PLAZA SUITE 300 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $157 | — | $157 | 1.01% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | TRANSAMERICA LIFE INSURANCE COMPANY | $37 | — | $37 | 0.24% |
| BARBARA BAROS3 Filed as: BARBARA HAWES | 21D MAPLE LANE BRIELLE, NJ 08730 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| RACHAEL HICKOK3 Filed as: RACHAEL T FERRANTE | 44 BERKSHIRE DRIVE HOWELL, NJ 07731 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 10.08% |
| UNKNOWN3 | UNKNOWN MORRISTOWN, NJ 07960 | COUNTRYWIDE ENTERPRISES, INC | $196 | — | $196 | 5.00% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE CO. | 218 | $14K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 168 | $100K |
| Short-term disability | AFLAC | 67 | $64K |
| Other(4 contracts, 4 carriers) | AFLAC | 168 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
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.