| 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 | $152K | $20K | $172K | 5.20% |
| MJ INSURANCE3 Filed as: JOSHUA SAUNDERS AND VARIOUS AGENTS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $706 | $101 | $807 | 3.83% |
| ROBERT O'LEARY3 Filed as: ROBERT OLEARY | 41 ABERDEEN CIRCLE FLEMINGTON, NJ 08822 | AFLAC | $510 | $118 | $628 | 2.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | AFLAC | $454 | — | $454 | 2.16% |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $328 | — | $328 | 1.56% |
| WILLIAM R. WHITELEY3 | 1707 60TH STREET SOUTH GULFPORT, FL 33707 | AFLAC | $251 | $49 | $300 | 1.42% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ JR. | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $173 | — | $173 | 0.82% |
| ROBERT C. BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08648 | AFLAC | $134 | $24 | $158 | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | EYEMED VISION CARE | $856 | — | $856 | 19.32% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 540 | $3.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 540 | $3.3M |
| Vision | EYEMED VISION CARE | 158 | $4K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 540 | $3.3M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 540 | $3.3M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 540 | $3.3M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 540 | $3.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 540 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.