| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $71K | $71K | 4.19% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $11K | $48 | $11K | 17.79% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $5K | $11 | $5K | 7.99% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $2K | — | $2K | 2.39% |
| ANN MARIE RYAN3 | 145 HICKORY CORNER RD MILFORD, NJ 08848 | AFLAC | $842 | — | $842 | 1.34% |
| MJ INSURANCE3 Filed as: BARBARA A HAWES AND VARIOUS AGENTS | 21 MAPLE LN UNIT D BRIELLE, NJ 08730 | AFLAC | $514 | — | $514 | 0.82% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $241 | — | $241 | 0.38% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $200 | — | $200 | 0.32% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | USABLE LIFE | $2K | — | $2K | 10.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 8.28% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | TRANSAMERICA LIFE INSURANCE COMPANY | $211 | — | $211 | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $175 | — | $175 | 1.16% |
| ADVANBEN MIDATLANTIC, LLC3 | 2 BALA PLAZA SUITE 300 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $152 | — | $152 | 1.01% |
| MJ INSURANCE3 Filed as: ROSE M SUDANO AND VARIOUS AGENTS | 74 KNOX LANE MANALAPAN, NJ 07726 | TRANSAMERICA LIFE INSURANCE COMPANY | $63 | — | $63 | 0.42% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | AETNA LIFE INSURANCE CO. | $1K | $75 | $2K | 10.51% |
| UNKNOWN3 | UNKNOWN MORRISTOWN, NJ 07960 | COUNTRYWIDE ENTERPRISES, INC | $227 | — | $227 | 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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7 | $1.7M |
| Vision | AETNA LIFE INSURANCE CO. | 256 | $14K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 179 | $97K |
| Short-term disability | AFLAC | 90 | $63K |
| Other(4 contracts, 4 carriers) | AFLAC | 179 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.