| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $100K | — | $100K | 5.79% |
| THE ZALIS ORGANIZATION3 | 1 WEST MAIN STREET MARLTON, NJ 080532029 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 9.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 5.97% |
| BARRY M SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $1K | — | $1K | 6.24% |
| ANNE SCOFF3 Filed as: ANNE SCHOFF | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $327 | — | $327 | 1.52% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $211 | — | $211 | 0.98% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ, JR. | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $200 | — | $200 | 0.93% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $130 | — | $130 | 0.60% |
| IRA M ARDEN3 | 40 WINDHAM CT FLEMINGTON, NJ 08648 | AFLAC | $104 | — | $104 | 0.48% |
| ROBERT C. BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08648 | AFLAC | $75 | — | $75 | 0.35% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICE, INC | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $54 | — | $54 | 0.25% |
| MARK SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $42 | — | $42 | 0.20% |
| ALBERT SHUST3 | 200 CENTRAL AVE. SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $27 | — | $27 | 0.13% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D'AGOSTINO | 87A BOOREAM AVE JERSEY CITY, NJ 07307 | AFLAC | $14 | — | $14 | 0.07% |
| ROBERT O'LEARY3 | 41 ABERDEEN CIR FLEMINGTON, NJ 08822 | AFLAC | $13 | — | $13 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $9 | — | $9 | 0.04% |
| NANCY M ANDERSON3 Filed as: NANCY M. ANDERSON | 11 CEDAR CT SOMERS POINT, NJ 08244 | AFLAC | $6 | — | $6 | 0.03% |
| RAY ROSTAMI3 | P.O. BO 525 STOCKHOLM, NJ 07480 | AFLAC | $6 | — | $6 | 0.03% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L. POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $5 | — | $5 | 0.02% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L. POPPERT | 1761 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $5 | — | $5 | 0.02% |
| BRIAN M LEYPOLDT3 Filed as: BRIAN M. LEYPOLDT | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $4 | — | $4 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A. PITUCH | 80 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $4 | — | $4 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A. PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $4 | — | $4 | 0.02% |
| DEBORAH POPPERT3 | 1167 W. BALTIMORE PIKE 238 MEDIA, PA 19063 | AFLAC | $2 | — | $2 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $2 | — | $2 | 0.01% |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DR SINKING SPRING PA, PA 19608 | AFLAC | $1 | — | $1 | 0.00% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 120 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 452 | $269K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 452 | $269K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 452 | $269K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 452 | $269K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 452 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.