| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER RISK MANAGEMENT | 56 PARK STREET MONTCLAIR, NJ 07042 | HORIZON HEALTHCARE SERVICES, INC. | $67K | $0 | $67K | 2.91% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $7K | $601 | $7K | 11.50% |
| BARBARA A HAWES3 Filed as: BARBARA A. HAWES | 21 MAPLE LANE, UNIT D BRIELLE, NJ 08730 | AFLAC | $1K | $152 | $1K | 2.08% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12B LINWOOD, NJ 08221 | AFLAC | $1K | $181 | $1K | 1.95% |
| MJ INSURANCE3 Filed as: ADAM MAGGIO AND VARIOUS AGENTS | 1025 MAXWELL LANE APARTMENT 902 HOBOKEN, NJ 07030 | AFLAC | $885 | $5 | $890 | 1.43% |
| ROSE M SUDANO3 Filed as: ROSE M. SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $786 | $54 | $840 | 1.35% |
| PATRICK PRICE3 | 30 KNIGHTSBRIDGE ROAD SUITE 6 PISCATAWAY, NJ 08854 | AFLAC | $246 | $0 | $246 | 0.40% |
| KENNETH S VAUGHAN3 Filed as: KENNETH S. VAUGHAN | 51 BROAD STREET MANASQUAN, NJ 08736 | AFLAC | $234 | $0 | $234 | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER RISK MANAGEMENT | 56 PARK STREET MONTCLAIR, NJ 07042 | HEALTHCARE DENTAL, INC. | $988 | $0 | $988 | 4.17% |
| USI INSURANCE SERVICES LLC3 | 1 INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 19113 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $54 | $54 | 0.28% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 729 RAYMERE AVENUE INTERLAKEN, NJ 07712 | TRANSAMERICA LIFE INSURANCE COMPANY | $827 | $0 | $827 | 4.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $720 | $0 | $720 | 3.90% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $375 | $0 | $375 | 2.03% |
| BARBARA BAROS3 Filed as: BARBARA HAWES | 21D MAPLE LANE BRIELLE, NJ 08730 | TRANSAMERICA LIFE INSURANCE COMPANY | $155 | $0 | $155 | 0.84% |
| MICHAEL FERRANTE AND OTHER AGENTS3 | 44 BERKSHIRE DRIVE HOWELL, NJ 07731 | TRANSAMERICA LIFE INSURANCE COMPANY | $114 | $0 | $114 | 0.62% |
| ADVANBEN MIDATLANTIC, LLC3 | ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $109 | $0 | $109 | 0.59% |
| ROSE M SUDANO3 Filed as: ROSE M. SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | TRANSAMERICA LIFE INSURANCE COMPANY | $100 | $0 | $100 | 0.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $1K | $0 | $1K | 8.55% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $342 | $342 | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 8TH FLOOR ITASCA, IL 60143 | USABLE LIFE | $232 | $0 | $232 | 1.44% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 131 | $2.3M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 131 | $2.3M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 191 | $19K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 168 | $97K |
| Short-term disability | AFLAC | 69 | $62K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 131 | $2.3M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 157 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.