| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $91K | — | $91K | 6.84% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ LLC | 1317 ROUTE 73 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 7.77% |
| BRISTOW, JAMES A3 | 712 POMONA RD CINNAMINSON, NJ 08077 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.90% |
| MEREDITH P CONLON3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $979 | — | $979 | 4.22% |
| BCG SECURITIES INC.3 | 600 DELRAN PKWY STE B DELRAN, NJ 08075 | AFLAC | $805 | — | $805 | 3.47% |
| MICHAEL P NORRIS3 | 283 SWEET TEA LN FREEPORT, FL 32439 | AFLAC | $312 | — | $312 | 1.34% |
| JOHN R NORRIS3 | 32782 BRIDGEWAY DR E LEWES, DE 19958 | AFLAC | $288 | — | $288 | 1.24% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $211 | — | $211 | 0.91% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $139 | — | $139 | 0.60% |
| BONNIE DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $83 | — | $83 | 0.36% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $76 | — | $76 | 0.33% |
| RANDALL D NAFTAL3 | 2 STATION SQ STE 201 PAOLI, PA 19301 | AFLAC | $45 | — | $45 | 0.19% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $39 | — | $39 | 0.17% |
| MEL M WEISS3 | 308 W RIDGE PIKE LIMERICK, PA 19086 | AFLAC | $23 | — | $23 | 0.10% |
| MARLEEN LIVINGSTONE3 | 116 TURNER RD WALLINGFORD, PA 19086 | AFLAC | $19 | — | $19 | 0.08% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $17 | — | $17 | 0.07% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $11 | — | $11 | 0.05% |
| PAUL S STEIN3 | 1633 E BUTLER PIKE AMBLER, PA 19002 | AFLAC | $9 | — | $9 | 0.04% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $7 | — | $7 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $5 | — | $5 | 0.02% |
| CHRISTOPHER A LUPP3 | 940 E PARK DRIVE STE 301 HARRISBURG, PA 17111 | AFLAC | $5 | — | $5 | 0.02% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $5 | — | $5 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $5 | — | $5 | 0.02% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $3 | — | $3 | 0.01% |
| LISA J SEPESI3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN M SMITH3 | 3049 DORCHESTER ST E # 109 FURLONG, PA 18925 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED PARTNERS OF NJ LLC BROKER | Contract Administrator; Claims processing Service code 12 | 1317 ROUTE 73 SOUTH MOUNT LAUREL, NJ 08054 | $11K |
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 | 146 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 171 | $78K |
| Vision | AETNA LIFE INSURANCE COMPANY | 171 | $78K |
| Life insurance | STANDARD INSURANCE COMPANY | 85 | $33K |
| Long-term disability | STANDARD INSURANCE COMPANY | 85 | $33K |
| Other | AFLAC | 23 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
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.