| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | HORIZON HEALTHCARE SERVICES | $87K | — | $87K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | HORIZON HEALTHCARE SERVICES | $21K | — | $21K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SERVICES NATIONAL | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | — | $1K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SERVICES NATIONAL | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $8K | — | $8K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SERVICES NATIONAL | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $2K | — | $2K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SERVICES NATIONAL | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF PENNSYLVANIA | $70 | — | $70 | — |
| CRISTINE LAPINSKI3 | 708 OCEAN ROAD SPRING LAKE, NJ 07762 | AFLAC | $2K | — | $2K | — |
| JESSICA MOST3 | 377 VAN DYKE PLACE BAYVILLE, NJ 08721 | AFLAC | $708 | — | $708 | — |
| ADAM MAGGIO3 | 1025 MASWELL LANE APT 902 HOBOKEN, NJ 07030 | AFLAC | $316 | — | $316 | — |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS | 377 BAN DYKE PLACE BAYVILLE, NJ 08721 | AFLAC | $253 | — | $253 | — |
| CHRISTOPHER LAPINSKI3 | 708 OCEAN ROAD SPRING LAKE, NJ 07762 | AFLAC | $211 | — | $211 | — |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER MCNAMEE | 5 DOVE COURT BAYVILLE, NJ 08721 | AFLAC | $125 | — | $125 | — |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD SUITE 12B LINWOOD, NJ 08221 | AFLAC | $107 | — | $107 | — |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $98 | — | $98 | — |
| EDWARD J MOORE3 Filed as: EDWARD MOORE | 21 UNION AVENUE LAKEHURST, NJ 08733 | AFLAC | $60 | — | $60 | — |
| RAYMOND LAPINSKI3 | 26 MAIN STREET SUITE J TOMS RIVER, NJ 08753 | AFLAC | $53 | — | $53 | — |
| GREG GULDIN3 | 137 S. 3RD STREET FRACKVILLE, PA 17931 | AFLAC | $35 | — | $35 | — |
| ANTHONY ORGERA3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $16 | — | $16 | — |
| BRIAN M LEYPOLDT3 Filed as: BRIAN LEYPOLOT | 67 ALLISON PLACE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $16 | — | $16 | — |
| TIM MCDERMOTT3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $13 | — | $13 | — |
| AMY K FOY3 Filed as: AMY FOY | 804 MCCOY ROAD FRANKLIN LAKES, NJ 07417 | AFLAC | $12 | — | $12 | — |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 | 8 PINCE RIDGE DRIVE BRANCHBURG, NJ 08876 | AFLAC | $10 | — | $10 | — |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 60 US HIGHWAY 46 SUITE 410 FAIRFIELD, NJ 07004 | AFLAC | $9 | — | $9 | — |
| GIULID PADOVANI3 | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $9 | — | $9 | — |
| TREVOR FENNELL3 | 11835 QUEENS BLVD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $8 | — | $8 | — |
| JAMES ELDER BROOKS3 Filed as: JAMES ELDER BROCKS | 19 NORFOLK LANE LEBANON, PA 17042 | AFLAC | $6 | — | $6 | — |
| ANN PREGNER3 Filed as: ANN PRGNER | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $4 | — | $4 | — |
| MATT OLSON3 | 8 LAKESIDE DRIVE CENTERPORT, NY 11721 | AFLAC | $3 | — | $3 | — |
| KEN MEIER3 | 11835 QUEENS BLVD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $3 | — | $3 | — |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 5010 E. TRINDLE ROAD SUITE 201 MECHANICSBURG, PA 17050 | AFLAC | $1 | — | $1 | — |
| JULIO E ZURITA3 Filed as: JULIO ZURITA | 273 VALLEY ROAD RIVER EDGE, NJ 07661 | AFLAC | $1 | — | $1 | — |
| BENITO ROTONDI3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 08733 | AFLAC | $1 | — | $1 | — |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 2230 CAROLINE LANE HARRISBURG, PA 17110 | AFLAC | $1 | — | $1 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI SERVICES NATIONAL | PO BOX 62939 VIRGINIA BEACH, VA 23466 | THE GUARDIAN LIFE INS. COMPANY OF AMERICA | $12K | $6K | $18K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USI INSURANCE SERVICES AGENT | Insurance agents and brokers Service code 22 | 300 EXECUTIVE DR. WEST ORANGE, NJ 07052 | $133K |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES | 164 | $0 |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 180 | $0 |
| Vision | VISION SERVICE PLAN | 161 | $0 |
| Life insurance | THE GUARDIAN LIFE INS. COMPANY OF AMERICA | 205 | $0 |
| Short-term disability | THE GUARDIAN LIFE INS. COMPANY OF AMERICA | 205 | $0 |
| Long-term disability | THE GUARDIAN LIFE INS. COMPANY OF AMERICA | 205 | $0 |
| Prescription drug | HORIZON HEALTHCARE SERVICES | 164 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.