| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $614 | $46K | $46K | 4.55% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | HORIZON HEALTHCARE SERVICES, INC. | $5K | — | $5K | 4.96% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET. P.O. BOX 99106 CAMDEN, NJ 08101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.93% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $5K | $37 | $5K | 9.58% |
| KENNETH S VAUGHAN3 | 51 BROAD ST MANASQUAN, NJ 08736 | AFLAC | $2K | $85 | $2K | 4.80% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $2K | — | $2K | 4.70% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $790 | — | $790 | 1.58% |
| MICHAEL BUTTERFIELD3 | 201 NEW RD, STE 12B LINWOOD, NJ 08221 | AFLAC | $240 | $25 | $265 | 0.53% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $182 | — | $182 | 0.36% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS | 377 VAN DYKE PL BAYVILLE, NJ 08721 | AFLAC | $157 | — | $157 | 0.31% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $123 | — | $123 | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SHERILL BROWN | PO BOX 442 MANTUA, NJ 08051 | AFLAC | $110 | — | $110 | 0.22% |
| KEVIN MURPHY3 Filed as: KEVIN LAROC | 24 HUCKLEBERRY LN NEW EGYPT, NJ 08533 | AFLAC | $68 | $21 | $89 | 0.18% |
| NICOLE S VAZQUEZ3 | 26 BROOKSIDE AVE OLD BRIDGE, NJ 08857 | AFLAC | $62 | $21 | $83 | 0.17% |
| KAYLEE CHRISTIN HOELER3 | 1022 CHELSEA ST FORKED RIVER, NJ 08221 | AFLAC | $52 | $21 | $73 | 0.15% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $24 | — | $24 | 0.05% |
| AMANDA RIEMER3 | 280 LINDBERGH SQ MANCHESTER, NJ 08759 | AFLAC | $18 | — | $18 | 0.04% |
| BARBARA A HAWES3 | 21 MAPLE LN UNIT D BRIELLE, NJ 08730 | AFLAC | $16 | — | $16 | 0.03% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $14 | — | $14 | 0.03% |
| GUILIO A. PADOVANI3 Filed as: GUILIO A PADOVANI | 9 QUAL CT BASKING RIDGE, NJ 07920 | AFLAC | $12 | — | $12 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $10 | — | $10 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $8 | — | $8 | 0.02% |
| ANN PREGNER3 | P.O. BOX 248 OLDWICK, NJ 08858 | AFLAC | $6 | — | $6 | 0.01% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 12.51% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $58K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 190 | $90K |
| Short-term disability | AFLAC | 70 | $50K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $40K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $1.1M |
| Other(2 contracts, 2 carriers) | AFLAC | 190 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.