| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $77K | $77K | 3.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | — | HORIZON HEALTHCARE SERVICES, INC. | $3K | $0 | $3K | 3.80% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS, LLC | 1901 STATE ROUTE 71 SUITE 3B WALL, NJ 07719 | AFLAC | $5K | $94 | $6K | 7.95% |
| ROSE M SUDANO3 Filed as: ROSE M. SUDANO | — | AFLAC | $2K | $100 | $2K | 3.23% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | — | AFLAC | $862 | $44 | $906 | 1.29% |
| MICAHEL J GENOVESE3 Filed as: MICAHEL BUTTERFIELD | — | AFLAC | $235 | $0 | $235 | 0.33% |
| KEVIN MURPHY3 Filed as: KEVIN LAROC | — | AFLAC | $203 | $0 | $203 | 0.29% |
| BARBARA BAROS3 Filed as: BARBARA HAWES | 21 MAPLE LANE UNIT D BRIELLE, NJ 08730 | AFLAC | $194 | $0 | $194 | 0.28% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD SUITE 12B LINWOOD, NJ 08221 | AFLAC | $190 | $0 | $190 | 0.27% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE APT 902 HOBOKEN, NJ 07030 | AFLAC | $147 | $0 | $147 | 0.21% |
| KENNETH S VAUGHAN3 Filed as: KENNETH S. VAUGHAN | — | AFLAC | $100 | $39 | $139 | 0.20% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $104 | $0 | $104 | 0.15% |
| MICHAEL TUMMINELLI3 | — | AFLAC | $84 | $0 | $84 | 0.12% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | INSURANCE SERVICES P.O. BOX 527 FARMINGTON, CT 06034 | AFLAC | $60 | $0 | $60 | 0.09% |
| MITCHELL N HNATT3 Filed as: MITCHELL N. HNATT | — | AFLAC | $38 | $0 | $38 | 0.05% |
| ZORN BENEFITS GROUP LLC3 Filed as: ZORN BENEFITS GROUP, LLC | — | AFLAC | $32 | $0 | $32 | 0.05% |
| BRIAN M LEYPOLDT3 Filed as: BRIAN M. LEYPOLDT | — | AFLAC | $31 | $0 | $31 | 0.04% |
| GEORGE FRANCIS3 | 102 DIAMOND BRIDGE AVENUE 2ND FLOOR HAWTHORNE, NJ 07506 | AFLAC | $26 | $0 | $26 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A. PITUCH | — | AFLAC | $17 | $0 | $17 | 0.02% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $15 | $0 | $15 | 0.02% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $15 | $0 | $15 | 0.02% |
| AMANDA RIEMER3 | — | AFLAC | $13 | $0 | $13 | 0.02% |
| LOUIS R FAIOLA3 Filed as: LOUIS R. FAIOLA | — | AFLAC | $9 | $0 | $9 | 0.01% |
| RACHAEL FERRANTE3 | — | AFLAC | $4 | $0 | $4 | 0.01% |
| REY ROSTAMI3 | — | AFLAC | $4 | $0 | $4 | 0.01% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY SANKA | — | AFLAC | $3 | $0 | $3 | 0.00% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D. AGOSTINO | — | AFLAC | $2 | $0 | $2 | 0.00% |
| MICHAEL A. PANE3 | 3655 HIGH STREET APT. 119 WALWORTH, NY 14568 | AFLAC | $2 | $0 | $2 | 0.00% |
| GAIL R BERGER3 Filed as: GAIL R. BERGER | — | AFLAC | $1 | $0 | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | — | HORIZON HEALTHCARE DENTAL, INC. | $1K | $0 | $1K | 4.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.21% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | — | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.89% |
| ROSE M SUDANO3 Filed as: ROSE M. SUDANO | — | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.88% |
| ADVANBEN MIDATLANTIC, LLC3 | ONE BELMONT AVENUE SUITE 304 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $874 | $0 | $874 | 4.09% |
| MICHAEL C WALKER3 Filed as: MICHAEL L. BUTTERFIELD | — | TRANSAMERICA LIFE INSURANCE COMPANY | $362 | $0 | $362 | 1.69% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | — | TRANSAMERICA LIFE INSURANCE COMPANY | $114 | $0 | $114 | 0.53% |
| KEVIN MURPHY3 Filed as: KEVIN LAROC | — | TRANSAMERICA LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.25% |
| RACHAEL HICKOK3 Filed as: RACHAEL T. FERRANTE | — | TRANSAMERICA LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.09% |
| BARBARA BAROS3 Filed as: BARBARA HAWES | — | TRANSAMERICA LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1787 SENTRY PARKWAY W SUITE 300 BLUE BELL, PA 194222240 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | — | USABLE LIFE | $2K | $0 | $2K | 10.00% |
| HORIZON INSURANCE COMPANY3 | — | USABLE LIFE | $0 | $353 | $353 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator Service code 13 | — | $77K |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $2.2M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 85 | $111K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 222 | $19K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 172 | $109K |
| Short-term disability | AFLAC | 83 | $70K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 172 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
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.