| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 4.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $1K | — | $1K | 5.60% |
| MITCHELL N HNATT2 Filed as: MITCHELL N. HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $865 | — | $865 | 4.85% |
| MJ INSURANCE3 Filed as: KEVIN MCINERNEY AND VARIOUS AGENTS | 580 WHITE PLAINS ROAD, SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $480 | — | $480 | 2.69% |
| ROSE & KIERNAN INC3 Filed as: ROSE M. SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $207 | — | $207 | 1.16% |
| LACEY M AURIEMMA3 Filed as: LACEY M. AURIEMMA | 1200 DORSET DOCK ROAD, SUITE 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $191 | — | $191 | 1.07% |
| ADAM MAGGIO3 | 1450 GARDEN STREET, SUITE S1009 HOBOKEN, NJ 07030 | AFLAC | $173 | — | $173 | 0.97% |
| MICHAEL BUTTERFIELD3 | 3120 FIRE ROAD, SUITE B102 EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $133 | — | $133 | 0.75% |
| EDWARD P LYNCH3 Filed as: EDWARD P. LYNCH | 1020 STANTON AVENUE ELIZABETH, NJ 07208 | AFLAC | $123 | — | $123 | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | ALPHA DENTAL PROGRAMS, INC. | $344 | — | $344 | 3.13% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 183 | $146K |
| Vision | VISION SERVICE PLAN | 181 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $63K |
| Short-term disability | AFLAC | 42 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $63K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.