| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | HORIZON HEALTHCARE SERVICES, INC. | $36K | — | $36K | 4.82% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 2164 HIGHWAY 35N BUILDING D, 2ND FLOOR SEA GIRT, NJ 08750 | AFLAC | $5K | $361 | $5K | 11.94% |
| MICHAEL BUTTERFIELD3 | 3120 FIRE ROAD SUITE B102 EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $509 | $60 | $569 | 1.29% |
| ADAM MAGGIO3 | 1450 GARDEN STATE APT. S1009 HOBOKEN, NJ 07030 | AFLAC | $269 | — | $269 | 0.61% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $197 | $60 | $257 | 0.58% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER J. BURRIS | 26 MAIN STREET SUITE 100 TOMS RIVER, NJ 08753 | AFLAC | $230 | — | $230 | 0.52% |
| BARBARA A HAWES3 Filed as: BARBARA A. HAWES | 21 MAPLE LANE UNIT D BRIELLE, NJ 08730 | AFLAC | $170 | — | $170 | 0.38% |
| SHAUNA BERRY3 | 119 HARROW LANE POINT PLEASANTBORO, NJ 08742 | AFLAC | $78 | — | $78 | 0.18% |
| MAGDALENA GUZMAN3 | 4640 DELEON STREET APT. H142 FORT MYERS, FL 33907 | AFLAC | $37 | — | $37 | 0.08% |
| AMANDA RIEMER3 | 1757 RALEIGH COURT E APT. 164A OCEAN, NJ 07712 | AFLAC | $23 | — | $23 | 0.05% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.19% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PARKWAY WEST SUITE 311 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.03% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNION SECURITY INSURANCE COMPANY | $747 | — | $747 | 15.00% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 77 | $754K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $41K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 120 | $68K |
| Short-term disability | AFLAC | 55 | $44K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 120 | $19K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 77 | $754K |
| Other(3 contracts, 2 carriers) | AFLAC | 120 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.