| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOMINIC A MORRONE3 Filed as: DOMINIC MORRONE | 900 ROUTE 168 N SUITE A1 TURNERSVILLE, NJ 08012 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | — | $54K | 11.84% |
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING INC. | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $29K | $44K | 9.70% |
| MICHAEL PALLOZZI3 | 215 FRIES MILL ROAD TURNERSVILLE, NJ 08012 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 7.51% |
| DOMINIC A MORRONE3 Filed as: DOMINIC MORRONE | 900 ROUTE 168 N SUITE A1 TURNERSVILLE, NJ 08012 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.50% |
| MICHAEL PALLOZZI3 | 215 FRIES MILL ROAD TURNERSVILLE, NJ 08012 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.50% |
| ADVANTAGE BENEFIT CONCEPTS3 | 900 ROUTE 168 N SUITE A1 TURNERSVILLE, NJ 08012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.91% |
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING INC. | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $819 | — | $819 | 5.00% |
| MICHAEL PALLOZZI3 | 209 ROWAN BLVD GLASSBORO, NJ 08028 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $432 | — | $432 | 2.64% |
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 | 734 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $454K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $234K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 734 | $16K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 734 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.