| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| HELEN DIZ-HATTON3 Filed as: HELEN-MARY SCHOEDLER | 33 KLAINS LN OCEAN VIEW, NJ 08230 | AFLAC | $1K | — | $1K | 3.34% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08120 | AFLAC | $518 | — | $518 | 1.27% |
| N J NATIONAL ASSOCIATES LIFE AGENCY3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $444 | — | $444 | 1.09% |
| LINDA W OLGUIN3 Filed as: LINDA M DUNFEE | 1241 ALMONESSON RD DEPTFORD, NJ 08096 | AFLAC | $404 | — | $404 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $348 | — | $348 | 0.85% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | AFLAC | $170 | — | $170 | 0.42% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL W HOPE | 911 GORDON TER N CAPE MAY, NJ 08204 | AFLAC | $167 | — | $167 | 0.41% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $140 | — | $140 | 0.34% |
| CHRIS GUZEWICH3 Filed as: CHRIS DAVID PAOLONE | 118 PELHAM RD S VOORHEES, NJ 08043 | AFLAC | $106 | — | $106 | 0.26% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $75 | — | $75 | 0.18% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 434 HIGH WATER DR HARDEEVILLE, SC 29927 | AFLAC | $72 | — | $72 | 0.18% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $61 | — | $61 | 0.15% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $50 | — | $50 | 0.12% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT DEMARI | 606 SOOY LN ABSECON, NJ 08201 | AFLAC | $49 | — | $49 | 0.12% |
| EVELYN GARCIA3 Filed as: EVELYN M LOYOLA | PO BOX 114 NEWTONVILLE, NJ 08346 | AFLAC | $47 | — | $47 | 0.11% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | PO BOX 721 325 W GROVELAND AVE SOMERS POINT, NJ 08244 | AFLAC | $44 | — | $44 | 0.11% |
| ANNE FISHER3 | 106 3RD ST ELMER, NJ 08318 | AFLAC | $42 | — | $42 | 0.10% |
| CHRISTOPHER PAOLONE3 | 119 PELHAM RD S VOORHEES, NJ 08043 | AFLAC | $33 | — | $33 | 0.08% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $29 | — | $29 | 0.07% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $29 | — | $29 | 0.07% |
| ROSA SHALA3 Filed as: ROSA LILIANA ORTIZ | 4211 RANDY CT MAYS LANDING, NJ 08330 | AFLAC | $29 | — | $29 | 0.07% |
| MELISSA ARMATIS3 Filed as: MELISSA R DYKSTRA | 257 THUNDER LN HEDGESVILLE, WV 25427 | AFLAC | $29 | — | $29 | 0.07% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $29 | — | $29 | 0.07% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $10 | — | $10 | 0.02% |
| MICHAEL HENSH3 | 900 LIBERTY PPL SICKLERVILLE, NJ 08081 | AFLAC | $5 | — | $5 | 0.01% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $5 | — | $5 | 0.01% |
| NANCY M ANDERSON3 | 11 CEDER CT SOMERS POINT, NJ 08244 | AFLAC | $3 | — | $3 | 0.01% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $2 | — | $2 | 0.00% |
| JULIO E ZURITA3 | 273 VALLEY RD RIVER EDGE, NJ 07661 | AFLAC | $2 | — | $2 | 0.00% |
| NANCY LAPHAM3 Filed as: NANCY RUTH MITNICK | 501 DUSTY LN LINWOOD, NJ 08221 | AFLAC | $2 | — | $2 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $1 | — | $1 | 0.00% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | HORIZON HEALTHCARE DENTAL, INC | $975 | — | $975 | 3.00% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | HORIZON HEALTHCARE DENTAL, INC | $532 | — | $532 | 3.00% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | HORIZON INSURANCE COMPANY | $998 | — | $998 | 10.00% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH ADMINISTRATORS | 99 | $529K |
| Dental(2 contracts) | HORIZON HEALTHCARE DENTAL, INC | 50 | $50K |
| Vision | HORIZON INSURANCE COMPANY | 106 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $65K |
| Prescription drug | AMERIHEALTH ADMINISTRATORS | 99 | $529K |
| Stop-loss / reinsurancereinsurance | AMERIHEALTH ADMINISTRATORS | 99 | $529K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
No prospect flags tripped on this filing.