| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | SYMETRA LIFE INSURANCE COMPANY | $94K | — | $94K | 10.00% |
| HORIZON INSURANCE COMPANY3 Filed as: HORIZON HEALTHCARE INSURANCE AGENCY | 3 PENN PLAZA E NEWARK, NJ 07105 | SYMETRA LIFE INSURANCE COMPANY | — | $26K | $26K | 2.75% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | HARTFORD LIFE AND ACCIDENT | $28K | — | $28K | 4.70% |
| ROCCO MANCINI3 | 110 ROCKLAND AVEENUE WATERBURY, CT 06708 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 4.56% |
| SUSAN E. KEELER3 | 9222 54TH CT. E PARRISH, FL 34219 | AFLAC | $12K | $582 | $13K | 5.94% |
| KIMBERLY MYERS3 | 257 PEOPLES CREEK ROAD ADVANCE, NC 27006 | AFLAC | $3K | $221 | $3K | 1.57% |
| KIM J WILLIAMS3 Filed as: KIM J. WILLIAMS | 4406 FOREST VALLEY CIRCLE VALDOSTA, GA 31602 | AFLAC | $2K | $149 | $2K | 1.09% |
| DEE W SLATER3 Filed as: DEE W. SLATER | 6847 WELLSLEY COURT CLEMMONS, NC 27012 | AFLAC | $1K | $88 | $1K | 0.68% |
| SUE M. CARLTON3 | 624 LAVERTON LANE RURAL HALL, NC 27045 | AFLAC | $1K | — | $1K | 0.64% |
| THOMAS L LUEBCHOW3 Filed as: THOMAS LUEBCHOW | 390 PILOT RIDGE DRIVE LEWISVILLE, NC 27023 | AFLAC | $1K | — | $1K | 0.63% |
| DIANA HOMA3 Filed as: DIANA NILL | 8880 BENSON AVENUE SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $1K | $67 | $1K | 0.59% |
| PEGGY MORRIS3 | 2720 WOODLORE TRAIL WINSTON SALEM, NC 27103 | AFLAC | $800 | — | $800 | 0.38% |
| J MICHAEL BUTLER3 Filed as: J. MICHAEL BUTLER | 1440 OLD LENOIR ROAD SUITE A HICKORY, NC 28601 | AFLAC | $686 | $85 | $771 | 0.36% |
| ROCIO VILLASENOR3 | 701 W. AVENIDA DE LA MERCED MONTEBELLO, CA 90640 | AFLAC | $453 | — | $453 | 0.21% |
| PAUL J MALO3 Filed as: PAUL MALO | P.O. BOX 38 FIRESTONE, CO 80520 | AFLAC | $400 | — | $400 | 0.19% |
| SIRANOUSH SARA MKRTCHIAN3 | 2001 FINANCIAL WAY SUITE 201 GLENDORA, CA 91741 | AFLAC | $346 | — | $346 | 0.16% |
| JAMES R HILL JR3 Filed as: JAMES R. HILL JR. | 7021 MARSEILLES COURT SUMMERFIELD, NC 27358 | AFLAC | $242 | $60 | $302 | 0.14% |
| SARA CZARECKI3 | 4 FARMHOUSE LANE MENDHAM, NJ 07945 | AFLAC | $241 | $37 | $278 | 0.13% |
| KATHLEEN LEININGER INS SERVICES INC3 | 8880 BENSON AVENUE SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $263 | $13 | $276 | 0.13% |
| SUSAN M. LUEBCHOW3 | 390 PILOT RIDGE DRIVE LEWISVILLE, NC 27023 | AFLAC | $259 | — | $259 | 0.12% |
| LAURA T DRAY3 Filed as: LAURA T. DRAY | 686 OAK VALLEY BLVD ADVANCE, NC 27006 | AFLAC | $220 | — | $220 | 0.10% |
| DOREEN J KRESSATY3 Filed as: DOREEN J. KRESSATY | 155 PARISH DRIVE WAYNE, NJ 07470 | AFLAC | $173 | — | $173 | 0.08% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS J. SUCHECKI | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $145 | $13 | $158 | 0.07% |
| ALLEGRO BENEFITS INC3 | 2 WARBLER DRIVE FLETCHER, NC 28732 | AFLAC | $141 | — | $141 | 0.07% |
| KELLY LEBSACK3 Filed as: KELLY D. LEBSACK | 826 NORTH ELM STREET GREENSBORO, NC 27410 | AFLAC | $140 | — | $140 | 0.07% |
| DAVID REESOR3 | 2001 E. FINANCIAL WAY SUITE 201 GLENDORA, CA 91741 | AFLAC | $137 | — | $137 | 0.06% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 ROUTE 46 WEST SUITE H-119 FAIRFIELD, NJ 07004 | AFLAC | $109 | $7 | $116 | 0.05% |
| NEIL J. RECKON3 | 1824 CALLE CUERVOS SAN DIMAS, CA 91773 | AFLAC | $106 | — | $106 | 0.05% |
| LARRY W NICHOLSON3 Filed as: LARRY W. W. NICHOLSON | 636 NORTH TREZEVANT STREET MEMPHIS, TN 38112 | AFLAC | $106 | — | $106 | 0.05% |
| HEATHER BUTNER3 | 175 CABOT DRIVE WINSTON SALEM, NC 27103 | AFLAC | $99 | — | $99 | 0.05% |
| CYNTHIA LUQUIN3 | 2001 FINANCIAL WAY SUITE 201 GLENDORA, CA 91741 | AFLAC | $95 | — | $95 | 0.04% |
| MISTY COOK3 | 341 CORNERSTONE ROAD LEXINGTON, NC 27292 | AFLAC | $94 | — | $94 | 0.04% |
| FAYE ROBINSON3 Filed as: FAYE MCCOLLUM ROBINSON | 3915 CHILTON DRIVE WINSTON SALEM, NC 27106 | AFLAC | $70 | — | $70 | 0.03% |
| AMY NORMAN3 | 4928 COUNTRY RIDGE ROAD R CLEMMONS, NC 27012 | AFLAC | $69 | — | $69 | 0.03% |
| CHRISTOPHER S. DISBROW3 | 10981 LOYOLA COURT RANCHO CUCAMONGA, CA 91701 | AFLAC | $66 | — | $66 | 0.03% |
| TIMOTHY MCDERMOTT3 | 111 RAAB AVENUE BLOOMFIELD, NJ 07003 | AFLAC | $57 | $7 | $64 | 0.03% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | AFLAC | $60 | — | $60 | 0.03% |
| CARLA VINKLER3 | 837 POWERS BLVD WAVERLY, TN 37185 | AFLAC | $58 | — | $58 | 0.03% |
| TERI MAYNARD3 | 1234 CALIFORNIA DRIVE MURFREESBORO, TN 37129 | AFLAC | $57 | — | $57 | 0.03% |
| NORMA ALICIA MIRANDA3 | 30955 AVENIDA LOS NINOS CATHERDRAL CITY, CA 92234 | AFLAC | $56 | — | $56 | 0.03% |
| ANNE CASSIDY3 Filed as: ANNE E.CASSIDY | 354 OVERTURE WAY CENTREVILLE, MD 21617 | AFLAC | $55 | — | $55 | 0.03% |
| THOMPSON & ASSOCIATES INSURANCE INC3 | 2001 FINANCIAL WAY SUITE 201 GLENDORA, CA 91741 | AFLAC | $55 | — | $55 | 0.03% |
| GREGORY MEYER3 Filed as: GREGORY EUGENE MEYER | 1582 RUNNING DEER DRIVE KERNERSVILLE, NC 27284 | AFLAC | $53 | — | $53 | 0.03% |
| KAREN M HUGHES3 Filed as: KAREN M. HUGHES | 3120 NORTH EAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $51 | — | $51 | 0.02% |
| CALIFORNIA BENEFIT PLANS INC3 Filed as: CALIFORNIA BENEFIT PLANS INC. | ONE EAST CAMELBACK ROAD SUITE 840 PHOENIX, AZ 85012 | AFLAC | $44 | — | $44 | 0.02% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE M. LUCZAJ | 255 E. RINCON STREET SUITE 110 CORONA, CA 92879 | AFLAC | $43 | — | $43 | 0.02% |
| KANDI M MCINTYRE3 Filed as: KANDI M. MCINTYRE | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $42 | — | $42 | 0.02% |
| JERRY BLUE3 | 1200 EASTCHESTER SUITE 204 HIGH POINT, NC 27265 | AFLAC | $37 | — | $37 | 0.02% |
| ANDREW R GRETHEL3 Filed as: ANDREW R. GRETHEL | 600 SOUTH HIDDEN VALLEY ROAD #150 CARLSBAD, CA 92011 | AFLAC | $23 | $13 | $36 | 0.02% |
| FRED A KRESSATY3 Filed as: FRED A. KRESSATY | 155 PARISH DRIVE WAYNE, NJ 07470 | AFLAC | $33 | — | $33 | 0.02% |
| KATHERINE HERMES3 | P.O. BOX 283 3 DEWEY A GLADSTONE, NJ 07934 | AFLAC | $31 | — | $31 | 0.01% |
| KAREN E ALTMIRE3 Filed as: KAREN E. ALTMIRE | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $30 | — | $30 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $23 | $7 | $30 | 0.01% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | AFLAC NY, 22 CORPORATE WOODS BLVD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $28 | — | $28 | 0.01% |
| JULIE L WOLD3 Filed as: JULIE L. WOLD | 10370 HEMET STREET 210 RIVERSIDE, CA 92503 | AFLAC | $27 | — | $27 | 0.01% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK R. SIRACUSA | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $26 | — | $26 | 0.01% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH A. BUZZELLO | 9018 BALBOA BLVD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $25 | — | $25 | 0.01% |
| MELISSA MURBACH3 | 1105 LAUREL BLUFF DRIVE KING, NC 27021 | AFLAC | $25 | — | $25 | 0.01% |
| WILMA DAVIS3 Filed as: WILMA K. DAVIS | 4216 JOES LAKE ROAD EAST BEND, NC 27018 | AFLAC | $23 | — | $23 | 0.01% |
| RITA B. LINVILLE3 | 251 MEADOW BEAUTY DRIVE APEX, NC 27539 | AFLAC | $22 | — | $22 | 0.01% |
| KAREN BELCHER3 | 363 BENTCREEK DRIVE LEXINGTON, NC 27295 | AFLAC | $18 | — | $18 | 0.01% |
| ROBERT I BARNES3 Filed as: ROBERT I. BARNES | 1424 SCALES STREET APT. A RALEIGH, NC 27608 | AFLAC | $15 | — | $15 | 0.01% |
| JANICE M ADAMSON3 Filed as: JANICE M. ADAMSON | 10370 HEMET STREET SUITE 210 RIVERSIDE, CA 92503 | AFLAC | $14 | — | $14 | 0.01% |
| L. HOOD3 Filed as: L.D. HOOD | 157 WEST WALL ROAD KING, NC 27021 | AFLAC | $14 | — | $14 | 0.01% |
| DANIEL E ALTMIRE3 Filed as: DANIEL E. ALTMIRE | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $13 | — | $13 | 0.01% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $10 | — | $10 | 0.00% |
| ROBERT L GOBLE3 Filed as: ROBERT L. GOBLE | 6008 NC HWY 16S TAYLORSVILLE, NC 28681 | AFLAC | $7 | — | $7 | 0.00% |
| RONALD I MARTINDALE3 Filed as: RONALD I. MARTINDALE | 1242 NORTH SAN DIMAS CANYON ROAD SAN DIMAS, CA 91773 | AFLAC | $5 | — | $5 | 0.00% |
| RICHARD LEWIS3 | 108 WAVERLY CIRCLE SALISBURY, NC 28144 | AFLAC | $5 | — | $5 | 0.00% |
| ROBERT E LABONTE3 Filed as: ROBERT E. LABONTE | 1659 WEST SAN REMO GILBERT, AZ 85233 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT MARRIOTTSVILLE, MD 21104 | AFLAC | $2 | — | $2 | 0.00% |
| ROCCO MANCINI3 | 153 NORTON STREET WATERBURY, CT 06708 | EYEMED VISION CARE (COMBINED INSURANCE COMPANY OF AMERICA) | $9K | — | $9K | 8.57% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | EYEMED VISION CARE (COMBINED INSURANCE COMPANY OF AMERICA) | $7K | — | $7K | 6.33% |
| STEPHAN E. KAMRASS3 | 31200 E. CHURCHILL LANE WESTLAKE, OH 44145 | AFLAC | $91 | — | $91 | 7.97% |
| GREGORY E MEYER3 Filed as: GREGORY E. MEYER | 1582 RUNNING DEER DRIVE KERNERSVILLE, NC 27284 | AFLAC | $20 | — | $20 | 1.75% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $10 | — | $10 | 0.88% |
| MICHAEL PICARELLO3 Filed as: A. MICHAEL CHODORCOFF | 109 JESSE COURT MONTVILLE, NJ 07045 | AFLAC | $10 | — | $10 | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator; Insurance agents and brokers Service code 13 | — | $522K |
| METROPOLITAN LIFE INSURANCE EIN 13-5581829 SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $54K |
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 | 1,181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE (COMBINED INSURANCE COMPANY OF AMERICA) | 1,717 | $108K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,364 | $601K |
| Short-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,364 | $813K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,364 | $601K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,196 | $936K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,705 | $813K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,717 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.