| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | PO BOX 745977 LOS ANGELES, CA 90074 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | $0 | $5K | 3.76% |
| ROSE & KIERNAN INC3 Filed as: ROSE SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $3K | $24 | $3K | 10.51% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | AFLAC | $632 | $6 | $638 | 2.02% |
| MITCHELL N HNATT3 Filed as: MITCHELL HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $369 | $0 | $369 | 1.17% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $141 | $0 | $141 | 0.45% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE, SUITE 902 HOBOKEN, NJ 07030 | AFLAC | $57 | $0 | $57 | 0.18% |
| EDWARD P LYNCH3 | 1020 STANTON AVE ELIZABETH, NJ 07208 | AFLAC | $39 | $0 | $39 | 0.12% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY, NJ 08210 | AFLAC | $32 | $0 | $32 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $23 | $0 | $23 | 0.07% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $21 | $0 | $21 | 0.07% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $21 | $0 | $21 | 0.07% |
| GAYLORD I KAUFFMAN3 | 9 WOODLAND DR PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | $14 | $0 | $14 | 0.04% |
| RUSSELL E BURT3 | 51 HILLTOP AVE BLACKWOOD, NJ 08012 | AFLAC | $11 | $0 | $11 | 0.03% |
| BENJAMIN R MORLEY3 | 5311 WHEATLAND DR QUAKERTOWN, PA 18951 | AFLAC | $11 | $0 | $11 | 0.03% |
| MARY BETH HANLON3 | PO BOX 2355 STOW, OH 44224 | AFLAC | $7 | $0 | $7 | 0.02% |
| LINDSAY TALLEY3 | 25 PLANTATION WAY ALLENTOWN, NJ 08501 | AFLAC | $6 | $0 | $6 | 0.02% |
| MAXINE E AMDUR3 | 3 SCOTT LN MANALAPAN, NJ 07726 | AFLAC | $5 | $0 | $5 | 0.02% |
| BRIAN M LEYPOLDT3 | 84 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $4 | $0 | $4 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $4 | $0 | $4 | 0.01% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $4 | $0 | $4 | 0.01% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $4 | $0 | $4 | 0.01% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $3 | $0 | $3 | 0.01% |
| JO ANN PANTALONE3 Filed as: ANN PREGNER | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $2 | $0 | $2 | 0.01% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $1 | $0 | $1 | 0.00% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOSEPH M PANCZA3 | 217 CLUB DR BELMAR, NJ 07719 | AFLAC | $1 | $0 | $1 | 0.00% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $1 | $0 | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.73% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | VISION SERVICE PLAN | $71 | $0 | $71 | 0.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 701 B STREET SIXTH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 82.67% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 31 | $32K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 333 | $177K |
| Vision | VISION SERVICE PLAN | 190 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $11K |
| Short-term disability | AFLAC | 31 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $11K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.