| 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. | $6K | — | $6K | 4.50% |
| 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 | $8K | — | $8K | 8.57% |
| ROSE & KIERNAN INC3 Filed as: ROSE SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $2K | $117 | $2K | 5.45% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $455 | $27 | $482 | 1.57% |
| MITCHELL N HNATT3 Filed as: MITCHELL HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $437 | — | $437 | 1.42% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $156 | — | $156 | 0.51% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE, SUITE 902 HOBOKEN, NJ 07030 | AFLAC | $83 | — | $83 | 0.27% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $52 | — | $52 | 0.17% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY, NJ 08210 | AFLAC | $46 | — | $46 | 0.15% |
| EDWARD P LYNCH3 | 1020 STANTON AVE ELIZABETH, NJ 07208 | AFLAC | $39 | — | $39 | 0.13% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $32 | — | $32 | 0.10% |
| RUSSELL E BURT3 | 51 HILLTOP AVE BLACKWOOD, NJ 08012 | AFLAC | $28 | — | $28 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $26 | — | $26 | 0.08% |
| GAYLORD I KAUFFMAN3 | 9 WOODLAND DR PO BOX 135 NEW WILMINGTON, PA 16142 | AFLAC | $16 | — | $16 | 0.05% |
| BENJAMIN R MORLEY3 | 5311 WHEATLAND DR QUAKERTOWN, PA 18951 | AFLAC | $13 | — | $13 | 0.04% |
| MAXINE E AMDUR3 | 3 SCOTT LN MANALAPAN, NJ 07726 | AFLAC | $13 | — | $13 | 0.04% |
| MARY BETH HANLON3 | PO BOX 2355 STOW, OH 44224 | AFLAC | $8 | — | $8 | 0.03% |
| BRIAN M LEYPOLDT3 | 84 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $6 | — | $6 | 0.02% |
| LINDSAY TALLEY3 | 25 PLANTATION WAY ALLENTOWN, NJ 08501 | AFLAC | $6 | — | $6 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $6 | — | $6 | 0.02% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $5 | — | $5 | 0.02% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $4 | — | $4 | 0.01% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $4 | — | $4 | 0.01% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $3 | — | $3 | 0.01% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $2 | — | $2 | 0.01% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $2 | — | $2 | 0.01% |
| JOSEPH M PANCZA3 | 217 CLUB DR BELMAR, NJ 07719 | AFLAC | $2 | — | $2 | 0.01% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $1 | — | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $1K | — | $1K | 5.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | ALPHA DENTAL PROGRAMS, INC. | $168 | — | $168 | 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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 34 | $31K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 303 | $174K |
| Vision | VISION SERVICE PLAN | 187 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $94K |
| Short-term disability | AFLAC | 34 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $94K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.