| 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 | $667 | $61K | $62K | 5.32% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET. P.O. BOX 99106 CAMDEN, NJ 08101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.79% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $3K | $264 | $3K | 5.49% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $2K | $225 | $2K | 3.62% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $842 | — | $842 | 1.63% |
| KENNETH S VAUGHAN3 | 51 BROAD ST MANASQUAN, NJ 08736 | AFLAC | $671 | $113 | $784 | 1.51% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $567 | $115 | $682 | 1.32% |
| RICHARD ALLEN BAPTIST3 | 211 WARDELL PL LONG BRANCH, NJ 07740 | AFLAC | $212 | $20 | $232 | 0.45% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $188 | — | $188 | 0.36% |
| ASHLEY SKOURTIS3 | 289 E LAKE RD PILESGROVE, NJ 08098 | AFLAC | $185 | — | $185 | 0.36% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $161 | — | $161 | 0.31% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS | 377 VAN DYKE PL BAYVILLE, NJ 08721 | AFLAC | $151 | — | $151 | 0.29% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $110 | — | $110 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SHERILL BROWN | PO BOX 442 MANTUA, NJ 08051 | AFLAC | $50 | — | $50 | 0.10% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $21 | — | $21 | 0.04% |
| MICHAEL BUTTERFIELD3 | 2021 NEW RD, STE 12B LINWOOD, NJ 08221 | AFLAC | $17 | — | $17 | 0.03% |
| ALLEXIS LICCIARDI3 | 93 JAMESBURG HALF ACRE RD MONROE, NJ 08831 | AFLAC | $17 | — | $17 | 0.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | P.O. BOX 335 SPARTA, NJ 07871 | AFLAC | $16 | — | $16 | 0.03% |
| BARBARA A HAWES3 | 21 MAPLE LN UNIT D BRIELLE, NJ 08730 | AFLAC | $16 | — | $16 | 0.03% |
| AMANDA RIEMER3 | 280 LINDBERGH SQ MANCHESTER, NJ 08759 | AFLAC | $15 | — | $15 | 0.03% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $11 | — | $11 | 0.02% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $9 | — | $9 | 0.02% |
| ANN PREGNER3 | P.O. BOX 248 OLDWICK, NJ 08858 | AFLAC | $6 | — | $6 | 0.01% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $3 | — | $3 | 0.01% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 11.89% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $77K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 208 | $99K |
| Short-term disability | AFLAC | 67 | $52K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $47K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $1.2M |
| Other(2 contracts, 2 carriers) | AFLAC | 208 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.