| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP, INC | 1680 ROUTE 23 N WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC. | $46K | $10K | $56K | 5.62% |
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP, INC | 1680 ROUTE 23 N WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC. | $9K | $2K | $11K | 5.64% |
| KISTLER TIFFANY BENEFITS3 | GENERAL AGENCY LLC 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $1K | $22K | 16.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 B BERWYN, PA 193121190 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.49% |
| SULPIZIIP3 | 413 MARLTON PIKE EAST STE 100 CHERRY HILL, NJ 08034 | OPTIMA HEALTH PLAN | $697 | — | $697 | 1.84% |
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES LLC | LB# 1803 PO BOX 95000 PHILADELPHIA, PA 19195 | OPTIMA HEALTH PLAN | $545 | — | $545 | 1.44% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $361 | — | $361 | 0.95% |
| FINANCIAL GROUP LLC3 | 4664 SOUTH BLVD STE 200 B VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $303 | — | $303 | 0.80% |
| CHOICE FINANCIAL GROUP LLC3 Filed as: CHOICE FINANCIAL - FNBC | 4664 SOUTH BLVD STE 200 B VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $0 | — | $0 | 0.00% |
| FIRST NATIONAL BROKERAGE3 | 5311 PATTERSON AVE RICHMOND, VA 232262041 | OPTIMA HEALTH PLAN | $0 | — | $0 | 0.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 1055 WESTLAKES DR STE 131 BERWYN, PA 19312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $867 | — | $867 | 9.77% |
| ENROLLEASE3 Filed as: KATZ PIERCE INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $774 | — | $774 | 8.72% |
| SARAH A ROBERTSON3 | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $212 | — | $212 | 2.98% |
| MICHAEL HENSH3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $69 | $53 | $122 | 1.71% |
| ENROLLEASE3 Filed as: KATZ PIERZ INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | AFLAC | $116 | — | $116 | 1.63% |
| DENNIS E LEWIS3 | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $80 | — | $80 | 1.12% |
| JASON M ROBERTSON3 | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $42 | — | $42 | 0.59% |
| JENNIFER L SAUNDERS3 | PO BOX 76 VILLAS, NJ 08251 | AFLAC | $41 | — | $41 | 0.58% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $36 | — | $36 | 0.51% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $15 | $12 | $27 | 0.38% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $19 | — | $19 | 0.27% |
| WORLD INSURANCE ASSOCIATES LLC3 | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | AFLAC | $10 | — | $10 | 0.14% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | AFLAC | $8 | — | $8 | 0.11% |
| JEREMY A FELDMAN3 | 11337 NEWPORT BAY DR BERLIN, MD 21811 | AFLAC | $8 | — | $8 | 0.11% |
| ASHLEY SKOURTIS3 | 24 GRAVELLY HILL RD BRIDGETON, NJ 08302 | AFLAC | $4 | — | $4 | 0.06% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $3 | — | $3 | 0.04% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | 2 BALA PLZ STE 300 BALA CYNWYD, PA 19004 | AFLAC | $2 | — | $2 | 0.03% |
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP, INC | 1680 ROUTE 23 N WAYNE, NJ 07470 | HORIZON INSURANCE COMPANY | $679 | — | $679 | 14.26% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LB# 1803 PHILADELPHIA, PA 19195 | SUN LIFE ASSURANCE COMPANY OF CANADA | $198 | — | $198 | 4.49% |
| ENROLLEASE3 Filed as: KATZ PIERCE INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $135 | — | $135 | 3.06% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 113 | $1.0M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $140K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $140K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $135K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $135K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $144K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 113 | $193K |
| Other(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.