| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 8.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $1K | — | $1K | 5.65% |
| MITCHELL N HNATT2 Filed as: MITCHELL HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $454 | — | $454 | 4.42% |
| RUSSELL E BURT3 Filed as: RUSSELL E. BURT AND VARIOUIS AGENTS | 51 HILLTOP AVENUE BLACKWOOD, NJ 08012 | AFLAC | $278 | — | $278 | 2.70% |
| ADAM MAGGIO3 | 1450 GARDEN STREET, APT S1009 HOBOKEN, NJ 07030 | AFLAC | $130 | — | $130 | 1.26% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 580 WHITE PLAINS ROAD, SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $116 | — | $116 | 1.13% |
| MITCHELL N HNATT3 | 2164 ROUTE 35, 2ND FLOOR BUILDING D SEA GRIT, NJ 08750 | AFLAC | $86 | — | $86 | 0.84% |
| EDWARD P LYNCH3 | 1020 STANTON AVENUE ELIZABETH, NJ 07208 | AFLAC | $83 | — | $83 | 0.81% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE, SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $65 | — | $65 | 0.63% |
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 | 445 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 445 | $235K |
| Vision | VISION SERVICE PLAN | 188 | $19K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 445 | $235K |
| Short-term disability | AFLAC | 13 | $10K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 445 | $235K |
| Prescription drug | AFLAC | 13 | $10K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 445 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.