| 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 | $764 | $107K | $108K | 4.53% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.95% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 10.19% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $7K | $29 | $7K | 12.08% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | AFLAC | $3K | $7 | $3K | 4.42% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $360 | — | $360 | 0.59% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $158 | — | $158 | 0.26% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $138 | — | $138 | 0.23% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $125 | — | $125 | 0.21% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $121 | — | $121 | 0.20% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE. STE 105 PISACATAWAY, NJ 08854 | AFLAC | $77 | — | $77 | 0.13% |
| LINDSEY TALLEY3 | 25 PLANTATION WAY STE 3B ALLENTOWN, NJ 08501 | AFLAC | $40 | — | $40 | 0.07% |
| KENNETH S VAUGHAN3 Filed as: KENNETH S. VAUGHAN | 16 GREEN TWIG DR. TOMSRIVER, NJ 08753 | AFLAC | $36 | — | $36 | 0.06% |
| BRIAN M LEYPOLDT3 Filed as: BRIAN M. LEYPOLDT | 67 ALLISON PI EGG HARBOR TWP, NJ 08234 | AFLAC | $15 | — | $15 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A. PITUCH | P.O. BOX 335 SPARTA, NJ 07871 | AFLAC | $12 | — | $12 | 0.02% |
| GIULIO A PADOVANI3 Filed as: GIULIO A. PADOVANI | 9 QUAL CT BASKING RIDGE, NJ 07920 | AFLAC | $10 | — | $10 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SHERILL BROWN | P.O. BOX 442 MANTUA, NJ 08051 | AFLAC | $9 | — | $9 | 0.01% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07926 | AFLAC | $8 | — | $8 | 0.01% |
| 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 | 216 | 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) | 216 | 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 | 158 | $2.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $142K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $137K |
| Short-term disability | AFLAC | 78 | $61K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $77K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $2.4M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.