| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLS BENEFIT SOLUTIONS3 | 31 MEADOWS LANE OCEAN, NJ 07712 | AFLAC | $1K | — | $1K | — |
| CSL BENEFIT SOLUTIONS3 | 708 OCEAN RD. SPRING LAKE, NJ 07762 | AFLAC | $659 | — | $659 | — |
| ADAM MAGGIO3 | 1025 MAXWELL LN. APT. 902 HOBOKEN, NJ 07030 | AFLAC | $321 | — | $321 | — |
| JESSICA MOST3 | 377 VAN DYKE PL. BAYVILLE, NJ 08721 | AFLAC | $269 | — | $269 | — |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS | 377 VAN DYKE PL. BAYVILLE, NJ 08721 | AFLAC | $202 | — | $202 | — |
| CHRISTOPHER LAPINSKI3 | 708 OCEAN RD. SPRING LAKE, NJ 07712 | AFLAC | $121 | — | $121 | — |
| ALBERT SHUST3 | 200 CENTENNIAL AVE., STE. 105 PISCATAWAY, NJ 08854 | AFLAC | $107 | — | $107 | — |
| MICHAEL BUTTERFIELD5 | 2021 NEW ROAD, STE. 12B LINWOOD, NJ 08221 | AFLAC | — | $99 | $99 | — |
| EDWARD J MOORE3 Filed as: EDWARD MOORE | 21 UNION AVENUE LAKEHURST, NJ 08733 | AFLAC | $80 | — | $80 | — |
| CSL BENEFIT SOLUTIONS5 | 708 OCEAN RD. SPRING LAKE, NJ 07762 | AFLAC | — | $53 | $53 | — |
| RAYMOND LAPINSKI3 | 26 MAIN ST., STE. J TOMS RIVER, NJ 08753 | AFLAC | $39 | — | $39 | — |
| BRIAN M LEYPOLDT3 Filed as: BRIAN LEYPOLOT | 67 ALLISON PL. EGG HARBOR TWP., NJ 08234 | AFLAC | $22 | — | $22 | — |
| TIM MCDERMOTT3 | 150 ALLEN RD. STE.110 BASKING RIDGE, NJ 07920 | AFLAC | $14 | — | $14 | — |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 60 US HIGHWAY 46, STE. 4 FAIRFIELD, NJ 07004 | AFLAC | $12 | — | $12 | — |
| CHRISTOPHER J BURRIS5 Filed as: CHRISTOPHER BURRIS | 377 VAN DYKE PL. BAYVILLE, NJ 08721 | AFLAC | — | $11 | $11 | — |
| JESSICA MOST5 | 377 VAN DYKE PL. BAYVILLE, NJ 08721 | AFLAC | — | $11 | $11 | — |
| AMY K FOY3 Filed as: AMY FOY | 804 MCCOY RD. FRANKLIN LAKES, NJ 07417 | AFLAC | $11 | — | $11 | — |
| GIULID PADOVANI3 | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $8 | — | $8 | — |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $4 | — | $4 | — |
| JULIO E ZURITA3 Filed as: JULIO ZURITA | 273 VALLEY RD. RIVER EDGE, NJ 07661 | AFLAC | $1 | — | $1 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 580 N. 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INS. COMPANY OF AMERICA | $10K | — | $10K | — |
| CHRISTIAN PETER3 | 7 HOOK HARBOR RD. ATLANTIC HIGHLANDS, NJ 07716 | HORIZON HEALTHCARE SERVICES | $69K | — | $69K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | — | $1K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $8K | — | $8K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA DENATAL HEALTH OF NEW JERSEY, INC. | $2K | — | $2K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $104 | — | $104 | — |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 55 | $0 |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 166 | $0 |
| Vision | VISION SERVICE PLAN | 133 | $0 |
| Life insurance | THE GUARDIAN LIFE INS. COMPANY OF AMERICA | 181 | $0 |
| Prescription drug | HORIZON HEALTHCARE SERVICES | 157 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.