| 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 | $669 | $77K | $77K | 4.95% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.80% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72 | — | $72 | 0.09% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 11.40% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $3K | $73 | $3K | 6.98% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $2K | $28 | $2K | 4.86% |
| LINDSAY TALLEY3 | 25 PLANTATION WAY ALLENTOWN, NJ 08501 | AFLAC | $151 | $37 | $188 | 0.41% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $176 | — | $176 | 0.38% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $138 | — | $138 | 0.30% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $132 | — | $132 | 0.28% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $126 | — | $126 | 0.27% |
| HENRY A SCHEYER3 | 62 RIVA BLVD BRICK, NJ 08723 | AFLAC | $105 | — | $105 | 0.23% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $80 | — | $80 | 0.17% |
| KENNETH S VAUGHAN3 | 51 BROAD ST MANASQUAN, NJ 08736 | AFLAC | $43 | — | $43 | 0.09% |
| ASHLEY SKOURTIS3 | 24 GRAVELLY HILL RD BRIDGETON, NJ 08302 | AFLAC | $19 | — | $19 | 0.04% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $15 | — | $15 | 0.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | P.O. BOX 335 SPARTA, NJ 07871 | AFLAC | $12 | — | $12 | 0.03% |
| AMANDA RIEMER3 | 27423 MCKENNA DR ATHENS, AL 35613 | AFLAC | $12 | — | $12 | 0.03% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $11 | — | $11 | 0.02% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LANE MOUNT ARLINGTON, NJ 07856 | AFLAC | $9 | — | $9 | 0.02% |
| ANN PREGNER3 | P.O. BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $5 | — | $5 | 0.01% |
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 | 193 | 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) | 193 | 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 | 132 | $1.6M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $123K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $105K |
| Short-term disability | AFLAC | 64 | $46K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $58K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $1.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.