| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CSL BENEFIT SOLUTIONS3 | 31 MEADOWS LANE OCEAN, NJ 07712 | AFLAC | $5K | — | $5K | — |
| JESSICA MOST3 | 2196 LACEY ROAD FORKED RIVER, NJ 08731 | AFLAC | $660 | — | $660 | — |
| ADAM MAGGIO3 | 1014 PLIMSOLL PT. LANOKA HARBOR, NJ 08734 | AFLAC | $560 | — | $560 | — |
| MICHAEL BUTTERFIELD3 | 34 MAIN ST., STE. 1A TOMS RIVER, NJ 08753 | AFLAC | $557 | — | $557 | — |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS | 26 MAIN ST. TOMS RIVER, NJ 08753 | AFLAC | $262 | — | $262 | — |
| ALBERT SHUST3 | 200 CENTENNIAL AVE., STE. 105 PISCATAWAY, NJ 08854 | AFLAC | $230 | — | $230 | — |
| CHRISTOPHER LAPINSKI3 | 31 MEADOWS LANE OCEAN, NJ 07712 | AFLAC | $206 | — | $206 | — |
| CSL BENEFIT SOLUTIONS5 | 31 MEADOWS LANE OCEAN, NJ 07712 | AFLAC | — | $166 | $166 | — |
| EDWARD J MOORE3 Filed as: EDWARD MOORE | 80 BROAD ST., STE. 2M RED BANK, NJ 07701 | AFLAC | $134 | — | $134 | — |
| RAYMOND LAPINSKI3 | 26 MAIN ST., STE. J TOMS RIVER, NJ 08753 | AFLAC | $57 | — | $57 | — |
| CHRISTOPHER J BURRIS5 Filed as: CHRISTOPHER BURRIS | 26 MAIN ST. STE. 100 TOMS RIVER, NJ 08753 | AFLAC | — | $33 | $33 | — |
| ALBERT SHUST5 | 300 LANDIDEX PLAZA, STE. 3303 PARSIPPANY, NJ 07054 | AFLAC | — | $33 | $33 | — |
| MICHAEL BUTTERFIELD5 | 34 MAIN ST., STE. 1A TOMS RIVER, NJ 08753 | AFLAC | — | $33 | $33 | — |
| MICHAEL DESARNO3 Filed as: MICHAEL HNATT | 2164 RT. 35, 2ND FL., BLDG. 4 SEA GIRT, NJ 08750 | AFLAC | $9 | — | $9 | — |
| LIBERTY INSURANCE ASSOC. INC.3 Filed as: LIBERTY INSURANCE ASSOC. | 525 ROUTE 73 MILLSTONE TWP., NJ 07726 | AFLAC | $8 | — | $8 | — |
| LACY AURIEMMA3 | 1014 PLIMSOLL PT. LANOKA HARBOR, NJ 08734 | AFLAC | $5 | — | $5 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. | 25 BULL ST., 4TH FL. SAVANNAH, GA 31401 | THE GUARDIAN LIFE INS. COMPANY OF AMERICA | $8K | — | $8K | — |
| GALLAGHER BENEFIT SERVICES, INC.5 Filed as: WELLS FARGO INS. | 25 BULL ST., 4TH FL. SAVANNAH, GA 31401 | THE GUARDIAN LIFE INS. COMPANY OF AMERICA | — | $5K | $5K | — |
| CHRISTIAN PETER3 | 7 HOOK HARBOR RD. ATLANTIC HIGHLANDS, NJ 07716 | HORIZON HEALTHCARE SERVICES | $62K | — | $62K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. | USA, INS. PO BOX 601478 CHARLOTE, NC 28260 | VISION SERVICE PLAN | $1K | — | $1K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. | PO BOX 203066 DALLAS, TX 75320 | CIGNA DENTAL | $6K | — | $6K | — |
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 | 200 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 49 | $0 |
| Dental | CIGNA DENTAL | 145 | $0 |
| Vision | VISION SERVICE PLAN | 134 | $0 |
| Life insurance | THE GUARDIAN LIFE INS. COMPANY OF AMERICA | 151 | $0 |
| Prescription drug | HORIZON HEALTHCARE SERVICES | 133 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.