| 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 | $647 | — | $647 | — |
| ADAM MAGGIO3 | 1014 PLIMSOLL PT. LANOKA HARBOR, NJ 08734 | AFLAC | $496 | — | $496 | — |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS | 26 MAIN ST. TOMS RIVER, NJ 08753 | AFLAC | $470 | — | $470 | — |
| CSL BENEFIT SOLUTIONS5 | 31 MEADOWS LANE OCEAN, NJ 07712 | AFLAC | — | $253 | $253 | — |
| MICHAEL BUTTERFIELD3 | 34 MAIN ST., STE. 1A TOMS RIVER, NJ 08753 | AFLAC | $210 | — | $210 | — |
| CHRISTOPHER LAPINSKI3 | 31 MEADOWS LANE OCEAN, NJ 07712 | AFLAC | $181 | — | $181 | — |
| ALBERT SHUST3 | 200 CENTENNIAL AVE., STE. 105 PISCATAWAY, NJ 08854 | AFLAC | $179 | — | $179 | — |
| EDWARD J MOORE3 Filed as: EDWARD MOORE | 80 BROAD ST., STE. 2M RED BANK, NJ 07701 | AFLAC | $123 | — | $123 | — |
| RAYMOND LAPINSKI3 | 26 MAIN ST., STE. J TOMS RIVER, NJ 08753 | AFLAC | $53 | — | $53 | — |
| MICHAEL BUTTERFIELD5 | 34 MAIN ST., STE. 1A TOMS RIVER, NJ 08753 | AFLAC | — | $51 | $51 | — |
| JESSICA MOST5 | 2196 LACEY ROAD FORKED RIVER, NJ 08731 | AFLAC | — | $51 | $51 | — |
| BRIAN M LEYPOLDT3 Filed as: BRIAN LEYPOLOT | 67 ALLISON PL. EGG HARBOR TWP., NJ 08234 | AFLAC | $35 | — | $35 | — |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 23 MORGAN DR. SPARTA, NJ 07871 | AFLAC | $21 | — | $21 | — |
| TIM MCDERMOTT3 | 630 BOULVARD, STE.100 ELMWOOD PARK, NJ 07407 | AFLAC | $17 | — | $17 | — |
| AMY K FOY3 Filed as: AMY FOY | 804 MCCOY RD. FRANKLIN LAKES, NJ 07417 | AFLAC | $14 | — | $14 | — |
| GIULID PADOVANI3 | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $10 | — | $10 | — |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $4 | — | $4 | — |
| JULIO E ZURITA3 Filed as: JULIO ZURITA | 187 OAK LANE NEW MILFORD, NJ 07646 | AFLAC | $1 | — | $1 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. | 10 SOUTH WACKER DR., FL. 17 CHICAGO, IL 60606 | THE GUARDIAN LIFE INS. COMAPNY OF AMERICA | $10K | — | $10K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. | 25 BULL ST., 4TH FL. SAVANNAH, GA 31401 | THE GUARDIAN LIFE INS. COMAPNY OF AMERICA | $9 | — | $9 | — |
| CHRISTIAN PETER3 | 7 HOOK HARBOR RD. ATLANTIC HIGHLANDS, NJ 07716 | HORIZON HEALTHCARE SERVICES | $66K | — | $66K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. | USA, INS. PO BOX 601478 CHARLOTE, NC 28260 | VISION SERVICE PLAN | $969 | — | $969 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. | PO BOX 203066 DALLAS, TX 75320 | CIGNA DENTAL | $7K | — | $7K | — |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 133 | $0 |
| Dental | CIGNA DENTAL | 168 | $0 |
| Vision | VISION SERVICE PLAN | 141 | $0 |
| Life insurance | THE GUARDIAN LIFE INS. COMAPNY OF AMERICA | 165 | $0 |
| Prescription drug | HORIZON HEALTHCARE SERVICES | 133 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.