| 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 | $68K | — | $68K | 10.35% |
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING INC. | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $36K | $56K | 8.47% |
| MICHAEL PALLOZZI3 | 215 FRIES MILL ROAD TURNERSVILLE, NJ 08012 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 6.57% |
| THOMAS VOLPE3 | 927 N MAIN STREET SUITE A-6 PLEASANTVILLE, NJ 08232 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.49% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 5 HODLEN CT EGG HARBOR TOWNSHIP, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.98% |
| MICHAEL BUTTERFIELD3 | 3120 FIRE ROAD SUITE B102 EGG HARBOR TOWNSHIP, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.23% |
| LORETTA MACOMBER3 | 4012 IVINS AVENUE EGG HARBOR TOWNSHIP, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.62% |
| DOMINIC A MORRONE3 Filed as: DOMINIC MORRONE | 900 ROUTE 168 N SUITE A-1 TURNERSVILLE, NJ 08012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.21% |
| DOMINIC A MORRONE3 Filed as: DOMINIC MORRONE | 900 ROUTE 168 N SUITE A-1 TURNERSVILLE, NJ 08012 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 16.00% |
| THOMAS VOLPE3 | 126 MADISON AVENUE ATLANTIC CITY, NJ 08402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| ADVANTAGE BENEFIT CONCEPTS3 | WASHINGTON PROFESSIONAL CAMPUS 900 ROUTE 168 SUITE A-1 TURNERSVILLE, NJ 08012 | VISION SERVICE PLAN | $1K | — | $1K | 7.00% |
| ADVANTAGE BENEFIT CONCEPTS3 | 900 ROUTE 168 N SUITE A1 TURNERSVILLE, NJ 08012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $922 | — | $922 | 8.03% |
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING INC. | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $574 | — | $574 | 5.00% |
| MICHAEL PALLOZZI3 | 209 ROWAN BLVD GLASSBORO, NJ 08028 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $308 | — | $308 | 2.68% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS | 413 MARLTON PIKE EAST SUITE 3 CHERRY HILL, NJ 08034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE WARNER COMPANIES | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 19.16% |
| ADVANTAGE BENEFIT CONCEPTS3 | 900 ROUTE 168 N SUITE A-1 TURNERSVILLE, NJ 08012 | UNION SECURITY INSURANCE COMPANY | $565 | — | $565 | 7.57% |
| DISABILITY RMS3 Filed as: DISABILITY RMS, INC | ONE RIVERFRONT PLAZA WESTBROOK, ME 040929700 | UNION SECURITY INSURANCE COMPANY | — | $321 | $321 | 4.30% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE WARNER COMPANIES | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 20.71% |
| ADVANTAGE BENEFIT CONCEPTS3 | 900 ROUTE 168 N SUITE A-1 TURNERSVILLE, NJ 08012 | UNION SECURITY INSURANCE COMPANY | $571 | — | $571 | 7.80% |
| DISABILITY RMS3 | ONE RIVERFRONT PLAZA WESTBROOK, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $315 | $315 | 4.30% |
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 | 617 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $655K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $655K |
| Vision | VISION SERVICE PLAN | 145 | $14K |
| Life insurance(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 702 | $53K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 66 | $7K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 702 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.