| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $159K | — | $159K | 4.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $6K | — | $6K | 8.74% |
| MJ INSURANCE3 Filed as: JOSHUA SAUNDERS AND VARIOUS AGENTS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $1K | $151 | $2K | 3.75% |
| ROBERT O'LEARY3 Filed as: ROBERT OLEARY | 41 ABERDEEN CIRCLE FLEMINGTON, NJ 08822 | AFLAC | $1K | $131 | $2K | 3.75% |
| BETH ANN JUNIKIEWICZ3 | 22 MORGAN SPRING DRIVE MORGANTOWN, PA 19543 | AFLAC | $1K | $33 | $1K | 2.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | AFLAC | $1K | — | $1K | 2.57% |
| WILLIAM R. WHITELEY3 | 1707 60TH STREET SOUTH GULFPORT, FL 33707 | AFLAC | $760 | $91 | $851 | 2.04% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ | 22 MORGAN SPRING DRIVE MORGANTOWN, PA 19543 | AFLAC | $512 | — | $512 | 1.23% |
| ROBERT C. BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08648 | AFLAC | $323 | $26 | $349 | 0.84% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 495 | $3.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 495 | $3.2M |
| Vision | EYEMED VISION CARE | 135 | $5K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 309 | $66K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 309 | $108K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 309 | $66K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 309 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.