| 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. | $41K | — | $41K | 4.93% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.84% |
| INDEPENDENCE PLANNING GROUP3 | L 1767 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.03% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE. INTERLAKEN, NE 07712 | AFLAC | $4K | $203 | $4K | 10.27% |
| MICHAEL BUTTERFIELD3 | 3120 FIRE ROAD SUITE B102 EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $395 | $41 | $436 | 1.13% |
| ADAM MAGGIO3 | 1450 GARDEN ST. APT. S1009 HOBOKEN, NJ 07030 | AFLAC | $221 | — | $221 | 0.57% |
| BARBARA BAROS3 Filed as: BARBARA HAWES | 21 MAPLE LANE UNIT D BRIELLE, NJ 08730 | AFLAC | $178 | $18 | $196 | 0.51% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS | 26 MAIN STREET SUITE 100 TOMS RIVER, NJ 08753 | AFLAC | $187 | — | $187 | 0.49% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $166 | — | $166 | 0.43% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $26 | — | $26 | 0.07% |
| SHAUNA BARRY3 | 119 HARROW LANE POINT PLEASANT BORO, NJ 08742 | AFLAC | $9 | $13 | $22 | 0.06% |
| AMANDA RIEMER3 | 1757 RALEIGH COURT E APT. 164A OCEAN, NJ 07712 | AFLAC | $21 | — | $21 | 0.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 23 MORGAN DR. SPARTA, NJ 07871 | AFLAC | $19 | — | $19 | 0.05% |
| TIMOTHY MCDERMOTT3 | 630 BOULEVARD SUITE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $12 | — | $12 | 0.03% |
| MEGAN MCGOVERN3 | 128 CANNONBALL DR. TINTON FALLS, NJ 07753 | AFLAC | $11 | — | $11 | 0.03% |
| GIULIO A PADOVANI3 Filed as: GIULIO PADOVANI | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $10 | — | $10 | 0.03% |
| ANN PREGNER3 | P.O. BOX 248 OLDWICK, NJ 08858 | AFLAC | $6 | — | $6 | 0.02% |
| 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 | $769 | — | $769 | 15.01% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 91 | $837K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $45K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 138 | $65K |
| Short-term disability | AFLAC | 48 | $39K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 138 | $22K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 91 | $837K |
| Other(3 contracts, 2 carriers) | AFLAC | 138 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.