| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM DAGGETT JR | 400 BERWYN PK SUITE 200 899 CASSETT ROAD BERWYN, PA 19312 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 5.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 400 BERWYN PK SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 1.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFIT CO | 899 CASSATT ROAD 400 BERWYN PARK SUITE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $5K | $26K | 12.71% |
| BARRY M SCOFF3 Filed as: BARRY SCOFF | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $1K | $46 | $1K | 5.00% |
| MARK SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $451 | $28 | $479 | 1.95% |
| ANNE SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $371 | — | $371 | 1.51% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $237 | $20 | $257 | 1.04% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW JUNKIEWICZ, JR | 22 BROOK HOLLOW DRIVE SINGING SPRING, PA 19608 | AFLAC | $210 | — | $210 | 0.85% |
| LORENZO V CUTAIA3 Filed as: LORENZO CUTAIA | 123 AZELEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $136 | — | $136 | 0.55% |
| IRA ARDEN3 | 40 WINDHAM COURT FLEMINGTON, NJ 06822 | AFLAC | $110 | — | $110 | 0.45% |
| ROBERT BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08848 | AFLAC | $77 | — | $77 | 0.31% |
| KRISTEN N. POLLOCK3 Filed as: KRISTEN POLLOCK | 16 BROAD STREET SUITE 5 WASHINGTON, NJ 07882 | AFLAC | $38 | $22 | $60 | 0.24% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $57 | — | $57 | 0.23% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $37 | — | $37 | 0.15% |
| ROBERT O'LEARY3 | 41 ABERDEEN CIRCLE FLEMINGTON, NJ 08822 | AFLAC | $13 | — | $13 | 0.05% |
| TARA D AGOSTINO3 | 271 US HIGHWAY 46 SUITE D207 FAIRFIELD, NJ 07004 | AFLAC | $13 | — | $13 | 0.05% |
| JESSICA A BOUTILETTE3 Filed as: JESSICA BOUTILETTE | 18 BROAD STREET SUITE 5 WASHINGTON, NJ 07882 | AFLAC | $6 | $4 | $10 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $9 | — | $9 | 0.04% |
| DEBORAH POPPERT3 | 1762 MIDDLETON ROAD GLEN MILLS, PA 19340 | AFLAC | $9 | — | $9 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $8 | — | $8 | 0.03% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $5 | — | $5 | 0.02% |
| NANCY M ANDERSON3 Filed as: NANCY ANDERSON | 11 CEDAR COURT SOMERS POINT, NJ 08244 | AFLAC | $5 | — | $5 | 0.02% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $3 | — | $3 | 0.01% |
| BETH ANN JUNIKIEWICZ3 Filed as: BETH JUNKIEWICZ | 22 BROOK HOLLOW DRIVE SINKING SPRING, 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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 99 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 417 | $202K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 417 | $202K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 417 | $202K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 417 | $202K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 417 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.