| 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. | $53K | — | $53K | 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 | 5.27% |
| INDEPENDENCE PLANNING GROUP3 | L 1767 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.02% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $3K | $92 | $3K | 8.54% |
| NICOLE S VAZQUEZ3 Filed as: NICOLE S. VAZQUEZ | 26 BROOKSIDE AVE OLD BRIDGE, NJ 08857 | AFLAC | $626 | — | $626 | 1.62% |
| KAYLEE CHRISTIN HOELER3 | 1022 CHELSEA ST FORKED RIVER, NJ 08731 | AFLAC | $626 | — | $626 | 1.62% |
| KEVIN MURPHY3 Filed as: KEVIN LAROC | 24 HUCKLEBERRY LN NEW EGYPT, NJ 08533 | AFLAC | $626 | — | $626 | 1.62% |
| MICHAEL BUTTERFIELD3 | 201 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $515 | $15 | $530 | 1.37% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $202 | — | $202 | 0.52% |
| CHRISTOPHER J BURRIS3 | 377 VAN DYKE PL BAYVILLE, NJ 08721 | AFLAC | $170 | — | $170 | 0.44% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $148 | — | $148 | 0.38% |
| BRIAN M LEYPOLDT3 Filed as: BRIAN M. LEYPOLDT | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $31 | — | $31 | 0.08% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DRIVE SPARTA, NJ 07871 | AFLAC | $23 | — | $23 | 0.06% |
| MEGAN MCGOVERN3 | 128 CANNONBALL DR TINTON FALLS, NJ 07753 | AFLAC | $23 | — | $23 | 0.06% |
| AMANDA RIEMER3 | 1757 RALEIGH COURT E APT 164A OCEAN, NJ 07712 | AFLAC | $20 | — | $20 | 0.05% |
| BARBARA BAROS3 Filed as: BARBARA HAWES | 21 MAPLE LANE UNIT D BRIELLE, NJ 08730 | AFLAC | $16 | — | $16 | 0.04% |
| TIMOTHY MCDERMOTT3 | 630 BOULEVARD STE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $15 | — | $15 | 0.04% |
| GIULIO A PADOVANI3 Filed as: GIULIO PADOVANI | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $13 | — | $13 | 0.03% |
| ANN PREGNER3 | P.O. BOX 248 OLDWICK, NJ 08858 | AFLAC | $7 | — | $7 | 0.02% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | UNION SECURITY INSURANCE COMPANY | $820 | — | $820 | 14.99% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 164 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $53K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 181 | $73K |
| Short-term disability | AFLAC | 61 | $39K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 181 | $29K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 164 | $1.1M |
| Other(3 contracts, 2 carriers) | AFLAC | 181 | $73K |
| 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."
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.