| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREENLEAF, JAMIE3 | 11 WARD AVE RUMSON, NJ 077601915 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $60K | $68K | 3.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $39K | $39K | 1.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $9K | $9K | 0.44% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.10% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $4K | $93 | $4K | 6.34% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $1K | $231 | $1K | 2.14% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $618 | $94 | $712 | 1.10% |
| MJ INSURANCE3 Filed as: BARBARA A HAWES & VARIOUS AGENTS | 21 MAPLE LN UNIT D BRIELLE, NJ 08730 | AFLAC | $650 | $5 | $655 | 1.01% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $583 | — | $583 | 0.90% |
| LISA CAMPBELL3 | 632 PARK AVE BRIELLE, NJ 08730 | AFLAC | $533 | — | $533 | 0.83% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $338 | — | $338 | 0.52% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | TRANSAMERICA LIFE INSURANCE COMPANY | $442 | — | $442 | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | TRANSAMERICA LIFE INSURANCE COMPANY | $366 | — | $366 | 2.13% |
| ADVANBEN MIDATLANTIC, LLC3 | ONE BELMONT AVE STE 304 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $261 | — | $261 | 1.52% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | TRANSAMERICA LIFE INSURANCE COMPANY | $167 | — | $167 | 0.97% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | TRANSAMERICA LIFE INSURANCE COMPANY | $43 | — | $43 | 0.25% |
| MICHAEL C WALKER3 Filed as: MICHAEL L BUTTERFIELD | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | TRANSAMERICA LIFE INSURANCE COMPANY | $37 | — | $37 | 0.22% |
| BARBARA A HAWES3 Filed as: BARBARA HAWES AND VARIOUS AGENRTS | 21D MAPLE LANE BRIELLE, NJ 08730 | TRANSAMERICA LIFE INSURANCE COMPANY | $23 | — | $23 | 0.13% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $3K | $3K | 16.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | SERVICES DBA BENEFITMALL 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | USABLE LIFE | $2K | — | $2K | 9.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $159 | — | $159 | 0.97% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | USABLE LIFE | $145 | — | $145 | 0.88% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 200 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 200 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 200 | $2.1M |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 161 | $98K |
| Short-term disability | AFLAC | 72 | $65K |
| Other(3 contracts, 3 carriers) | AFLAC | 161 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.