| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | HORIZON HEALTHCARE SERVICES, INC. | $61K | — | $61K | 2.18% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45236 | HORIZON HEALTHCARE SERVICES, INC. | $15K | — | $15K | 0.54% |
| USI INSURANCE SERVICES LLC3 | 600 THIRD AVENUE 3RD FLOOR NEW YORK, NY 10016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | $10K | $3K | $13K | 12.25% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVC(OH) | 721 EMERSON ROAD STE 400 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | $11K | — | $11K | 10.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 5.66% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVC(OH) | PO BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 1.30% |
| JESSICA MOST3 | 377 VAN DYKE PL BAYVILLE, NJ 08721 | AFLAC | $2K | $31 | $2K | 4.21% |
| CRISTINE LAPINSKI3 | 708 OCEAN RD SPRING LAKE, NJ 07762 | AFLAC | $2K | — | $2K | 4.05% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER MCNAMEE | 5 DOVE CT BAYVILLE, NJ 08721 | AFLAC | $959 | $26 | $985 | 2.35% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $449 | $9 | $458 | 1.09% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $292 | — | $292 | 0.70% |
| CHRISTOPHER LAPINSKI3 | 708 OCEAN RD SPRING LAKE, NJ 07762 | AFLAC | $185 | — | $185 | 0.44% |
| GREG GULDIN3 | 526 W NICHOLAS ST FRACKVILLE, PA 17931 | AFLAC | $128 | — | $128 | 0.31% |
| BRIAN M DENOIA3 Filed as: BRIAN DENOIA | 1312 BARTON AVE POINT PLEASANT BORO, NJ 08742 | AFLAC | $99 | — | $99 | 0.24% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $93 | — | $93 | 0.22% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $90 | — | $90 | 0.21% |
| RAYMOND J LAPINSKI3 | 1251 CAPSTAN DR FORKED RIVER, NJ 08731 | AFLAC | $57 | — | $57 | 0.14% |
| EDWARD J MOORE3 | 9 CAPE COD AVE BARNEGAT, NJ 08005 | AFLAC | $48 | — | $48 | 0.11% |
| GARY J BRENNAN II3 | 4 S 2ND ST STE 312 POTTSVILLE, PA 17901 | AFLAC | $23 | — | $23 | 0.05% |
| JAMES ELDER BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $23 | — | $23 | 0.05% |
| DENISE J SPAYD3 | 4 S 2ND ST STE 201 POTTSVILLE, PA 17901 | AFLAC | $15 | — | $15 | 0.04% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $15 | — | $15 | 0.04% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $13 | — | $13 | 0.03% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $12 | — | $12 | 0.03% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $11 | — | $11 | 0.03% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $8 | — | $8 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $8 | — | $8 | 0.02% |
| POWER-KUNKLE GROUP INC3 | PO BOX 6243 WYOMISSING, PA 19610 | AFLAC | $7 | — | $7 | 0.02% |
| TRACY ANN ANDERSON3 | 2115 W MARKET ST POTTSVILLE, PA 17901 | AFLAC | $7 | — | $7 | 0.02% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $7 | — | $7 | 0.02% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 Filed as: STRATEGIC VOLUNTARY BENF SVCS INC | 8 PINE RIDGE DR BRANCHBURG, NJ 08876 | AFLAC | $5 | — | $5 | 0.01% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID A BURKHARDT3 | 46 BUFFALO HOLLOW RD BRANCHBURG, NJ 08876 | AFLAC | $4 | — | $4 | 0.01% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $3 | — | $3 | 0.01% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTOPHER A LUPP3 | 805 BUTLER DR MIDDLETOWN, PA 17057 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW T OLSON3 | 8 LAKESIDE DR CENTERPORT, NY 11721 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW G BERGER3 | 10 UNION AVE APT 302 BALA CYNWYD, PA 19004 | AFLAC | $3 | — | $3 | 0.01% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $3 | — | $3 | 0.01% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $3 | — | $3 | 0.01% |
| LEAH P GORMAN3 | 4597 GOLDEN KEY RD APT 3 NEW TRIPOLI, PA 18066 | AFLAC | $2 | — | $2 | 0.00% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $1 | — | $1 | 0.00% |
| JULIO E ZURITA3 | 273 VALLEY RD RIVER EDGE, NJ 07661 | AFLAC | $1 | — | $1 | 0.00% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $1K | — | $1K | 6.14% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVC(OH) | PO BOX 632886 CINCINNATI, OH 45263 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $204 | — | $204 | 0.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $784 | — | $784 | 3.44% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVC(OH) | PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $403 | — | $403 | 1.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $69 | — | $69 | 6.16% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVC(OH) | PO BOX 632886 CINCINNATI, OH 45263 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $10 | — | $10 | 0.89% |
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 | 56 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 59 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 32 | $2.9M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 56 | $127K |
| Vision | VISION SERVICE PLAN | 35 | $23K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 35 | $104K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 35 | $104K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 35 | $104K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 32 | $2.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 35 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.