| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFIT CONCEPTS3 | ROUTE 168 N SUITE A1 TURNERSVILLE, NJ 08012 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $78K | — | $78K | 6.65% |
| MICHAEL PALLOZZI3 | 209 ROWAN BLVD GLASSBORO, NJ 08028 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 3.90% |
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING INC. | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $41K | $42K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN INS MARSH MCLENNAN AGENCY | 3625 N ELM ST GREENSBORO, NC 274552604 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 5.93% |
| ADVANTAGE BENEFIT CONCEPTS3 Filed as: ADVANTAGE BENEFIT CONCEPTS INC | ROUTE 168 N SUITE A-1 TURNERSVILLE, NJ 08012 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 4.36% |
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 3.95% |
| MICHAEL PALLOZZI3 | 209 ROWAN BLVD GLASSBORO, NJ 08028 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 2.55% |
| THOMAS VOLPE3 | 927 N MAIN STREET SUITE A-6 PLEASANTVILLE, NJ 08232 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 6.79% |
| DOMINIC A MORRONE3 Filed as: DOMINIC MORRONE | 900 ROUTE 168 N SUITE A-1 TURNERSVILLE, NJ 08012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.89% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 5 HOLDEN CT EGG HARBOR TOWNSHIP, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.36% |
| MICHAEL BUTTERFIELD3 | 3120 FIRE ROAD SUITE B102 EGG HARBOR TOWNSHIP, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.56% |
| LORETTA MACOMBER3 | 4012 IVINS AVENUE EGG HARBOR TOWNSHIP, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $485 | — | $485 | 0.57% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 5608 BEACH HAVEN ROAD EAST NEW MARKET, MD 21631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.08% |
| ANTHONY WEISBECKER3 | 121 CLUB PLACE GALLOWAY, NJ 08205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.07% |
| 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 | $5K | $1K | $6K | 15.89% |
| ADVANTAGE BENEFIT CONCEPTS3 | WASHINGTON PROFESSIONAL CAMPUS 900 ROUTE 168 SUITE A-1 TURNERSVILLE, NJ 08012 | VISION SERVICE PLAN | $2K | — | $2K | 7.00% |
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 | 787 | 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) | 787 | 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 | 324 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 531 | $314K |
| Vision | VISION SERVICE PLAN | 279 | $31K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 787 | $39K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 44 | $460K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 787 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 787 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.