| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HELEN-MARY SCHOELDER0 | 33 KLAINS LN OCEAN VIEW, NJ 08230 | AFLAC | $2K | $80 | $2K | 4.07% |
| LINDA W OLGUIN3 Filed as: LINDA M DUNFEE | 1241 ALMONESSON RD DEPTFORD, NJ 08096 | AFLAC | $695 | $0 | $695 | 1.17% |
| MICHAEL BUTTERFIELD3 | 2021 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $673 | $16 | $689 | 1.16% |
| N J NATIONAL ASSOCIATES LIFE AGENCY3 | 510 BANK ST STE 200 PO BOX 447 CAPE MAY, NJ 08204 | AFLAC | $661 | $0 | $661 | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 306 SADDLE BROOK, NJ 07663 | AFLAC | $512 | $0 | $512 | 0.86% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL W HOPE | 911 GORDON TER N CAPE MAY, NJ 08204 | AFLAC | $184 | $0 | $184 | 0.31% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $183 | $0 | $183 | 0.31% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 107 W CENTENNIAL DR MEDFORD, NJ 08055 | AFLAC | $148 | $0 | $148 | 0.25% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $66 | $10 | $76 | 0.13% |
| RICHARD H TOBIAS3 | 416 W JEFFERSON AVE LINWOOD, NJ 08221 | AFLAC | $66 | $6 | $72 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE400 SADDLE BROOK, NJ 07663 | AFLAC | $67 | $0 | $67 | 0.11% |
| ROSA SHALA3 Filed as: ROSA LILIANA ORTIZ | 4211 RANDY CT MAYS LANDING, NJ 08330 | AFLAC | $56 | $0 | $56 | 0.09% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $52 | $0 | $52 | 0.09% |
| ANNE FISHER3 | 106 3RD ST ELMER, NJ 08318 | AFLAC | $47 | $0 | $47 | 0.08% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $47 | $0 | $47 | 0.08% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT DEMARI | 606 SOOY LN ABSECON, NJ 08201 | AFLAC | $44 | $0 | $44 | 0.07% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $40 | $0 | $40 | 0.07% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $39 | $0 | $39 | 0.07% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $38 | $0 | $38 | 0.06% |
| MELISSA ARMATIS3 Filed as: MELISSA R DYKSTRA | 257 THUNDER LANE HEDGESVILLE, WV 25427 | AFLAC | $28 | $0 | $28 | 0.05% |
| MELISSA ARMATIS3 Filed as: MELISSA R DYKSTRA | 257 THUNDER LN HEDGESVILLE, WV 25427 | AFLAC | $27 | $0 | $27 | 0.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $10 | $0 | $10 | 0.02% |
| NANCY M ANDERSON3 | 11 CEDAR ST SOMERS POINT, NJ 08244 | AFLAC | $8 | $0 | $8 | 0.01% |
| DOM M PANICO3 | 13 OAKVIEW TER SWEDESBORO, NJ 08085 | AFLAC | $7 | $0 | $7 | 0.01% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $7 | $0 | $7 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $5 | $0 | $5 | 0.01% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $3 | $0 | $3 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $3 | $0 | $3 | 0.01% |
| JULIO E ZURITA3 | 273 VALLEY RD RIVER EDGE, NJ 07661 | AFLAC | $2 | $0 | $2 | 0.00% |
| CRAIG SCHOEDLER3 | 33 KLAINS LN OCEAN VIEW, NJ 08230 | AFLAC | $2 | $0 | $2 | 0.00% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $1 | $0 | $1 | 0.00% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOSEPH BAILEY DUCKETT3 | 1000 PARKWOOD CIR SE STE 900 ATLANTA, GA 30339 | AFLAC | $1 | $0 | $1 | 0.00% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $1 | $0 | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: RODNEY J WILLIS | 10224 TARPON DR TREASURE ISLAND, FL 33706 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN DOMEIER3 Filed as: JOHN H DOMEIER | 720 17TH AVE N ST PETERSBURG, FL 33704 | AFLAC | $1 | $0 | $1 | 0.00% |
| VICTORRIO PAUL ZANIOL INC3 | 7511 BURLINGTON AVE N ST PETERSBURG, FL 33710 | AFLAC | $1 | $0 | $1 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $1 | $0 | $1 | 0.00% |
| JACK RICE INSURANCE LLC3 | 13080 BELCHER RD STE H LARGO, FL 33773 | AFLAC | $1 | $0 | $1 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $1 | $0 | $1 | 0.00% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $1 | $0 | $1 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $1 | $0 | $1 | 0.00% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | — | — | $0 | 0.00% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $1K | $0 | $1K | 2.99% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | MONY LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| HORIZON INSURANCE COMPANY3 | HORIZON INSURANCE COMPANY NEWARK, NJ 07104 | MONY LIFE INSURANCE COMPANY OF AMERICA | $0 | $538 | $538 | 1.64% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HEALTHCARE DENTAL, INC. | $825 | $0 | $825 | 2.99% |
| HORIZON INSURANCE COMPANY3 | HORIZON INSURANCE COMPANY NEWARK, NJ 07104 | MONY LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 9.34% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | MONY LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.00% |
| HELEN DIZ-HATTON3 Filed as: HELEN MARY SCHOEDLER | 33 KLAINS LN OCEAN VIEW, NJ 08230 | AFLAC | $753 | $61 | $814 | 5.31% |
| MICHAEL BUTTERFIELD0 | 2021 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $209 | $12 | $221 | 1.44% |
| N J ASSOCIATES LIFE AGENCY3 | 510 BANK ST STE 200 PO BOX 477 CAPE MAY, NJ 08204 | AFLAC | $132 | $0 | $132 | 0.86% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $116 | $0 | $116 | 0.76% |
| LINDA W OLGUIN3 Filed as: LINDA M DUNFEE | 1241 ALMONESSON RD DEPTFORD, NJ 08096 | AFLAC | $112 | $0 | $112 | 0.73% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL W HOPE | 911 GORDON TER N CAPE MAY, NJ 08204 | AFLAC | $93 | $0 | $93 | 0.61% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $79 | $12 | $91 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 306 SADDLE BROOK, NJ 07663 | AFLAC | $84 | $0 | $84 | 0.55% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $73 | $0 | $73 | 0.48% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT DEMARI | 606 SOOY LN ABSECON, NJ 08201 | AFLAC | $70 | $0 | $70 | 0.46% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $61 | $0 | $61 | 0.40% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 107 W CENTENNIAL DR MEDFORD, NJ 08055 | AFLAC | $46 | $0 | $46 | 0.30% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $42 | $0 | $42 | 0.27% |
| JACK RICE INSURANCE LLC3 | 13080 BELCHER RD S STE H LARGO, FL 33773 | AFLAC | $29 | $0 | $29 | 0.19% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $14 | $0 | $14 | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: RODNEY J WILLIS | 10224 TARPON DR TREASURE ISLAND, FL 33706 | AFLAC | $12 | $0 | $12 | 0.08% |
| JOHN DOMEIER3 Filed as: JOHN H DOMEIER | 720 17TH AVE N ST PETERSBURG, FL 33704 | AFLAC | $12 | $0 | $12 | 0.08% |
| VICTORRIO PAUL ZANIOL INC3 | 7511 BURLINGTON AVE N ST PETERSBURG, FL 33710 | AFLAC | $12 | $0 | $12 | 0.08% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $9 | $0 | $9 | 0.06% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $4 | $0 | $4 | 0.03% |
| NANCY M ANDERSON3 | 11 CEDAR CT SOMERS POINT, NJ 08244 | AFLAC | $3 | $0 | $3 | 0.02% |
| JOSEPH BAILEY DUCKETT3 | 1000 PARKWOOD CIR SE STE 900 ATLANTA, GA 30339 | AFLAC | $3 | $0 | $3 | 0.02% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $2 | $0 | $2 | 0.01% |
| DOM M PANICO3 | 13 OAKVIEW TER SWEDESBORO, NJ 08085 | AFLAC | $2 | $0 | $2 | 0.01% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $2 | $0 | $2 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $1 | $0 | $1 | 0.01% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $1 | $0 | $1 | 0.01% |
| JULIO E ZURITA3 | 273 VALLEY RD RIVER EDGE, NJ 07661 | AFLAC | $1 | $0 | $1 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $1 | $0 | $1 | 0.01% |
| JOSEPH BAILEY DUCKETT3 | 517 PINEWOOD DR OLDSMAR, FL 34677 | AFLAC | $1 | $0 | $1 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $1 | $0 | $1 | 0.01% |
| MARY REBECCA WEATHERLY3 | 1934 E LEEWYNN DR SARASOTA, FL 34240 | AFLAC | $1 | $0 | $1 | 0.01% |
| JANINE FOX3 | 18 HAVILAND DR SCHENECTADY, NY 12302 | AFLAC | $1 | $0 | $1 | 0.01% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON INSURANCE COMPANY | $1K | $0 | $1K | 9.99% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 63 | $68K |
| Vision | HORIZON INSURANCE COMPANY | 124 | $13K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 172 | $33K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 172 | $26K |
| Other(3 contracts, 2 carriers) | AFLAC | 172 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
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.