| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORIZON INSURANCE COMPANY3 | HORIZON INSURANCE COMPANY NEWARK, NJ 07104 | MONY LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 8.13% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | MONY LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.96% |
| HELEN DIZ-HATTON3 Filed as: HELEN-MARY SCHOEDLER | 33 KLAINS LN OCEAN VIEW, NJ 08230 | AFLAC | $2K | $71 | $2K | 3.89% |
| NJ NATIONAL ASSOCIATES LIFE AGENCY3 | 510 BANK ST STE 200 PO BOX 477 CAPE MAY, NJ 08204 | AFLAC | $699 | $0 | $699 | 1.13% |
| LINDA W OLGUIN3 Filed as: LINDA M DUNFEE | 1241 ALMONESSON RD DEPTFORD, NJ 08096 | AFLAC | $695 | $0 | $695 | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 306 SADDLE BROOK, NJ 07663 | AFLAC | $505 | $0 | $505 | 0.82% |
| MICHAEL BUTTERFIELD3 | 2021 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $392 | $6 | $398 | 0.65% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $358 | $8 | $366 | 0.59% |
| EVELYN GARCIA3 Filed as: EVELYN M LOYOLA | 50 W MONTROSE ST VINELAND, NJ 08360 | AFLAC | $232 | $0 | $232 | 0.38% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $218 | $0 | $218 | 0.35% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL W HOPE | 911 GORDON TER N CAPE MAY, NJ 08204 | AFLAC | $199 | $0 | $199 | 0.32% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $192 | $0 | $192 | 0.31% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 107 W CENTENNIAL DR MEDFORD, NJ 08055 | AFLAC | $162 | $0 | $162 | 0.26% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $135 | $14 | $149 | 0.24% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $127 | $0 | $127 | 0.21% |
| ROSA SHALA3 Filed as: ROSA LILIANA ORTIZ | 4211 RANDY CT MAYS LANDING, NJ 08330 | AFLAC | $64 | $0 | $64 | 0.10% |
| MELISSA ARMATIS3 Filed as: MELISSA R DYKSTRA | 257 THUNDER LN HEDGESVILLE, WV 25427 | AFLAC | $64 | $0 | $64 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $60 | $0 | $60 | 0.10% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $59 | $0 | $59 | 0.10% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT DEMARI | 606 SOOY LN ABSECON, NJ 08201 | AFLAC | $52 | $0 | $52 | 0.08% |
| ANNE FISHER3 | 106 3RD ST ELMER, NJ 08318 | AFLAC | $51 | $0 | $51 | 0.08% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $47 | $0 | $47 | 0.08% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $46 | $0 | $46 | 0.07% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $41 | $0 | $41 | 0.07% |
| RICHARD H TOBIAS3 | 416 W JEFFERSON AVE LINWOOD, NJ 08221 | AFLAC | $26 | $0 | $26 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $17 | $0 | $17 | 0.03% |
| NANCY M ANDERSON3 | 11 CEDAR CT SOMERS POINT, NJ 08244 | AFLAC | $8 | $0 | $8 | 0.01% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $7 | $0 | $7 | 0.01% |
| ANNE PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $4 | $0 | $4 | 0.01% |
| JACK RICE INSURANCE LLC3 | 9455 KOGER BLVD N STE 100 ST PETERSBURG, FL 33702 | AFLAC | $3 | $0 | $3 | 0.00% |
| JULIO E ZURITA3 | 273 VALLEY RD RIVER EDGE, NJ 07661 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARY REBECCA WEATHERLY0 | 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% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LN ODESSA, FL 33556 | AFLAC | $1 | $0 | $1 | 0.00% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOSEPH BAILEY DUCKETT3 | 1000 PARKWOOD CIR SE STE 900 ATLANTA, GA 30339 | 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% |
| 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% |
| DOM M PANICO3 | 13 OAKVIEW TER SWEDESBORO, NJ 08085 | AFLAC | $0 | $0 | $0 | 0.00% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $1K | $0 | $1K | 3.01% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE DENTAL, INC. | $814 | $0 | $814 | 3.01% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON INSURANCE COMPANY | $1K | $0 | $1K | 10.02% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 66 | $64K |
| Vision | HORIZON INSURANCE COMPANY | 108 | $12K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 167 | $62K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 167 | $62K |
| Other | AFLAC | 62 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.