| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | AETNA HEALTH, INC. | $136K | $6K | $142K | 5.42% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 7.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 4.67% |
| JAMES E. MCGRATH3 | 218 STOCKTON BLVD. BERLIN, NJ 08009 | AFLAC | $6K | $402 | $7K | 26.05% |
| JOHN D. COONEY3 Filed as: JOHN M. FORD | 1028 RAYMERE AVE. OCEAN, NJ 07712 | AFLAC | $4K | — | $4K | 16.14% |
| MICHAEL J SHIOMOS3 Filed as: MICHAEL J. SHIOMOS | 44 MONROE DRIVE CLEMENTON, NJ 08021 | AFLAC | $1K | — | $1K | 4.60% |
| ROBERT C. BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08648 | AFLAC | $25 | — | $25 | 0.10% |
| NORMAN PINHAS3 | 2 A LONGSTREET ROAD MONROE TOWNSHIP, NJ 08831 | AFLAC | $6 | — | $6 | 0.02% |
| JOSHUA P SAUNDERS3 Filed as: JOSHUA P. SAUNDERS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $6 | — | $6 | 0.02% |
| KRISTY MCFARLANE3 | 24 FIELDSTONE TRAIL SPARTA, NJ 07871 | AFLAC | $2 | — | $2 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE. SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $1 | — | $1 | 0.00% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 361 | $2.6M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 233 | $71K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $89K |
| Short-term disability | AFLAC | 46 | $25K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $89K |
| Prescription drug | AETNA HEALTH, INC. | 361 | $2.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.