| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HEALTHCARE DENTAL, INC. | $2K | $0 | $2K | 2.21% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $1K | $0 | $1K | 2.21% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 7.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 650 EAST CARMEL DR STE 350 ATTN AMY WESTERBERG CARMEL, IN 46032 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 3.98% |
| NATIONAL BENEFITS PARTNERS LLC3 Filed as: NATIONAL BENEFITS PARTNERS INS AGCY | 181 EAST 5600 SOUTH STE 240 SALT LAKE CITY, UT 84107 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 3.88% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.35% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $1K | $0 | $1K | 6.72% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $524 | $0 | $524 | 2.35% |
| MAGDALY SANTOS3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $325 | $15 | $340 | 1.52% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | 501 FAIRNEST CT DOVER, DE 19904 | AFLAC | $254 | $0 | $254 | 1.14% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $219 | $3 | $222 | 0.99% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 1433 MCMASTER DR SURFSIDE BEACH, SC 29575 | AFLAC | $125 | $0 | $125 | 0.56% |
| LINDA W OLGUIN3 Filed as: LINDA E MATTISON | 11205 N 119TH WAY SCOTTSDALE, AZ 85259 | AFLAC | $115 | $0 | $115 | 0.52% |
| MICHAEL HENSH3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $95 | $0 | $95 | 0.43% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVE STE B SEA ISLE CITY, NJ 08243 | AFLAC | $92 | $0 | $92 | 0.41% |
| MICHAEL J SHIOMOS3 | 44 MONROE DR CLEMENTON, NJ 08021 | AFLAC | $85 | $0 | $85 | 0.38% |
| PAULA GAIL NEAL3 Filed as: PAULA M EMOND | 27 SUMMIT AVE BERLIN, NJ 08009 | AFLAC | $64 | $0 | $64 | 0.29% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | 501 FAIRNEST CT DOVER, DE 19904 | AFLAC | $61 | $0 | $61 | 0.27% |
| SHEM J BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $53 | $0 | $53 | 0.24% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIELDER | 8 SEWARD DR OCEAN, NJ 07712 | AFLAC | $50 | $0 | $50 | 0.22% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $40 | $0 | $40 | 0.18% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $19 | $0 | $19 | 0.09% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $16 | $0 | $16 | 0.07% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $7 | $0 | $7 | 0.03% |
| DORA BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $6 | $0 | $6 | 0.03% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $3 | $0 | $3 | 0.01% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $2 | $0 | $2 | 0.01% |
| JULIO E ZURITA3 | 273 VALLEY RD RIVER EDGE, NJ 07661 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HEALTHCARE DENTAL, INC. | 115 | $136K |
| Vision | VISION SERVICE PLAN | 167 | $31K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 277 | $51K |
| Short-term disability | AFLAC | 20 | $22K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 277 | $51K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 277 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.