| 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 | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 9.81% |
| MITCHELL N HNATT3 Filed as: MITCHELL HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $1K | — | $1K | 4.16% |
| ROSE & KIERNAN INC3 Filed as: ROSE SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $945 | $32 | $977 | 3.79% |
| MJ INSURANCE3 Filed as: DESARNO BENEFITS AND VARIOUS AGENTS | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $764 | — | $764 | 2.96% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12B LINWOOD, NJ 08221 | AFLAC | $243 | $11 | $254 | 0.98% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE, SUITE 902 HOBOKEN, NJ 07030 | AFLAC | $235 | — | $235 | 0.91% |
| LACEY M AURIEMMA3 Filed as: LACEY AURIEMMA | 1200 DORSET DOCK ROAD, APARTMENT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $157 | $32 | $189 | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $59 | — | $59 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $1K | — | $1K | 5.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDATLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | ALPHA DENTAL PROGRAMS, INC. | $269 | — | $269 | 3.00% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 36 | $26K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 169 | $176K |
| Vision | VISION SERVICE PLAN | 178 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $67K |
| Short-term disability | AFLAC | 36 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $67K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.