| 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 | $713 | $102K | $102K | 4.95% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 10.34% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.67% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | AFLAC | $2K | $43 | $2K | 4.54% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $1K | $177 | $2K | 3.54% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $165 | — | $165 | 0.36% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $143 | — | $143 | 0.32% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $134 | — | $134 | 0.30% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $117 | — | $117 | 0.26% |
| ANN MARIE RYAN3 | 145 HICKORY CORNER RD MILFORD, NJ 08848 | AFLAC | $95 | — | $95 | 0.21% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $78 | — | $78 | 0.17% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $64 | — | $64 | 0.14% |
| LINDSAY TALLEY3 | 25 PLANTATION WAY ALLENTOWN, NJ 08501 | AFLAC | $44 | $3 | $47 | 0.10% |
| KENNETH S VAUGHAN3 | 51 BROAD ST MANASQUAN, NJ 08736 | AFLAC | $38 | — | $38 | 0.08% |
| 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 | $11 | — | $11 | 0.02% |
| ASHLEY SKOURTIS3 | 24 GRAVELLY HILL RD BRIDGETON, NJ 08302 | AFLAC | $11 | — | $11 | 0.02% |
| HENRY A SCHEYER3 | 62 RIVA BLVD BRICK, NJ 08723 | AFLAC | $6 | $5 | $11 | 0.02% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $10 | — | $10 | 0.02% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT. ARLINGTON, NJ 07856 | AFLAC | $9 | — | $9 | 0.02% |
| ANN PREGNER3 | P.O. BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $6 | — | $6 | 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 | 215 | 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) | 215 | 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 | 145 | $2.1M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $113K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 145 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $117K |
| Short-term disability | AFLAC | 75 | $45K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $72K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 145 | $2.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.