| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 2.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 4.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $438 | $4K | 6.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 6550 ROCK SPRING DR SUITE 610 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $403 | $3K | 4.44% |
| ROSE & KIERNAN INC3 Filed as: ROSE SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $2K | $94 | $2K | 7.34% |
| MITCHELL N HNATT3 Filed as: MITCHELL HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $1K | — | $1K | 3.61% |
| MJ INSURANCE3 Filed as: DESARNO BENEFITS AND VARIOUS AGENTS | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $446 | $18 | $464 | 1.50% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $234 | — | $234 | 0.76% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE, SUITE 902 HOBOKEN, NJ 07030 | AFLAC | $233 | — | $233 | 0.75% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY, NJ 08210 | AFLAC | $196 | $18 | $214 | 0.69% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $101 | — | $101 | 0.33% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $86 | — | $86 | 0.28% |
| EDWARD P LYNCH3 | 1020 STANTON AVE ELIZABETH, NJ 07208 | AFLAC | $80 | — | $80 | 0.26% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $63 | — | $63 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $57 | — | $57 | 0.18% |
| RUSSELL E BURT3 | 51 HILLTOP AVE BLACKWOOD, NJ 08012 | AFLAC | $37 | — | $37 | 0.12% |
| GAYLORD I KAUFFMAN3 | 9 WOODLAND DR PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | $35 | — | $35 | 0.11% |
| BENJAMIN R MORLEY3 | 2484 HIETER RD QUAKERTOWN, PA 18951 | AFLAC | $27 | — | $27 | 0.09% |
| MICHAEL R HUNGRECKER3 | 25 ESSEX ST SAN FRANCISCO, CA 94105 | AFLAC | $24 | — | $24 | 0.08% |
| MICHAEL R HUNGRECKER3 | 25 ESSEX ST SAN FRANCISCO, CA 94105 | AFLAC | $21 | — | $21 | 0.07% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $17 | — | $17 | 0.05% |
| MAXINE E AMDUR3 | 3 SCOTT LN MANALAPAN, NJ 07726 | AFLAC | $17 | — | $17 | 0.05% |
| MARY BETH HANLON3 | PO BOX 2355 STOW, OH 44224 | AFLAC | $17 | — | $17 | 0.05% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $17 | — | $17 | 0.05% |
| JOSEPH M PANCZA3 | 217 CLUB DR BELMAR, NJ 07719 | AFLAC | $16 | — | $16 | 0.05% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $11 | — | $11 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $8 | — | $8 | 0.03% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $8 | — | $8 | 0.03% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | 4864 ARTHUR KILL RD STE 3 STATEN ISLAND, NY 08221 | AFLAC | $6 | — | $6 | 0.02% |
| LINDSAY TALLEY3 | 25 PLANTATION WAY ALLENTOWN, NJ 08501 | AFLAC | $6 | — | $6 | 0.02% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $6 | — | $6 | 0.02% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $6 | — | $6 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWARY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $6 | — | $6 | 0.02% |
| ACRISURE LLC3 | 220 S ORANGE AVE STE 200 LIVINGSTON, NJ 07039 | AFLAC | $5 | — | $5 | 0.02% |
| ELIZABETH BARNES3 | 1180 SAWMILL RD BRICK, NJ 08724 | AFLAC | $5 | — | $5 | 0.02% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $4 | — | $4 | 0.01% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $3 | — | $3 | 0.01% |
| DAVID ROLLER3 Filed as: DAVID ROLLIER | 80 DOLPHIN CIR E BAYVILLE, NJ 08721 | AFLAC | $3 | — | $3 | 0.01% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $3 | — | $3 | 0.01% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL BUTTERFIELD3 | 2021 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $0 | — | $0 | 0.00% |
| KERRY E MANGIACASALE3 | 24 PILCHER ST STATEN ISLAND, NY 10314 | AFLAC | $0 | — | $0 | 0.00% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $0 | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $1K | — | $1K | 5.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDATLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | ALPHA DENTAL PROGRAMS, INC. | $326 | — | $326 | 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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 302 | $934K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 323 | $172K |
| Vision | VISION SERVICE PLAN | 189 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $68K |
| Short-term disability | AFLAC | 42 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $68K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 302 | $903K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.