| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 350 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $208K | — | $208K | 5.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.00% |
| PETER NUSSBAUM3 Filed as: PETER J. SCARNATO AND OTHER AGENTS | 175 SQUANKUM YELLOWBROOK ROAD FARMINGDALE, NJ 07727 | AFLAC | $1K | — | $1K | 2.82% |
| ROBERT O'LEARY3 Filed as: ROBERT OLEARY | 41 ABERDEEN CIRCLE FLEMINGTON, NJ 08822 | AFLAC | $929 | — | $929 | 2.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $926 | — | $926 | 2.05% |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $720 | — | $720 | 1.60% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ JR. | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $639 | — | $639 | 1.42% |
| WILLIAM R. WHITELEY3 | 1707 60TH STREET SOUTH GULFPORT, FL 33707 | AFLAC | $488 | — | $488 | 1.08% |
| ROBERT C. BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08648 | AFLAC | $256 | — | $256 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HEARTLAND | $1K | — | $1K | 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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 614 | $3.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 614 | $3.8M |
| Vision | HEARTLAND | 220 | $12K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 614 | $3.8M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 614 | $3.9M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 614 | $3.8M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 614 | $3.8M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 614 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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.