| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 3.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $0 | $124 | $124 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $1K | $0 | $1K | 4.37% |
| MJ INSURANCE3 Filed as: LORENZO CUTAIA AND VARIOUS AGENTS | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $750 | $27 | $777 | 2.42% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ, JR. | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $624 | $80 | $704 | 2.19% |
| ROBERT O'LEARY3 | 41 ABERDEEN CIRCLE FLEMINGTON, NJ 08822 | AFLAC | $579 | $0 | $579 | 1.80% |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $417 | $0 | $417 | 1.30% |
| SUZANNE DICIOCCIO3 | 933 WILLOW STREET BURLINGTON, NJ 08016 | AFLAC | $232 | $80 | $312 | 0.97% |
| ROBERT C. BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08648 | AFLAC | $139 | $0 | $139 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HEARTLAND | $2K | $0 | $2K | 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 | 403 | 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) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 582 | $176K |
| Vision | HEARTLAND | 303 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 403 | $66K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 403 | $99K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 403 | $66K |
| Prescription drug | CVS PHARMACY, INC. | 403 | $511K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 403 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.