| 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. | $60K | $12K | $72K | 5.85% |
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP, INC | 1680 ROUTE 23 N WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC. | $12K | $2K | $14K | 5.85% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $3K | $28K | 17.72% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.65% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 9500 LB# 1803 PHILADELPHIA, PA 19195 | SUN LIFE ASSURANCE COMPANY OF CANADA | $892 | — | $892 | 10.72% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | SUN LIFE ASSURANCE COMPANY OF CANADA | $572 | — | $572 | 6.88% |
| SARAH A ROBERTSON3 | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $181 | — | $181 | 3.15% |
| WORLD INSURANCE ASSOCIATES LLC3 | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | AFLAC | $103 | — | $103 | 1.80% |
| DENNIS E LEWIS3 | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $75 | — | $75 | 1.31% |
| MICHAEL HENSH3 | 64 KERRY LYNN CT WILLIAMSTOWN, NJ 08094 | AFLAC | $58 | — | $58 | 1.01% |
| JASON M ROBERTSON3 | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $36 | — | $36 | 0.63% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $34 | — | $34 | 0.59% |
| JENNIFER L SAUNDERS3 | 25500 TOW CREEKS SW APT 2111 SAN ANTONIO, TX 78255 | AFLAC | $32 | — | $32 | 0.56% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $14 | — | $14 | 0.24% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | AFLAC | $7 | — | $7 | 0.12% |
| JEREMY A FELDMAN3 | 11337 NEWPORT BAY DR BERLIN, MD 21811 | AFLAC | $7 | — | $7 | 0.12% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | AFLAC | $6 | — | $6 | 0.10% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $5 | — | $5 | 0.09% |
| ASHLEY SKOURTIS3 | 24 GRAVELLY HILL RD BRIDGETON, NJ 08302 | AFLAC | $3 | — | $3 | 0.05% |
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP, INC | 1680 ROUTE 23 N WAYNE, NJ 07470 | HORIZON INSURANCE COMPANY | $552 | — | $552 | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LB# 1803 PHILADELPHIA, PA 19195 | SUN LIFE ASSURANCE COMPANY OF CANADA | $526 | — | $526 | 10.00% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 124 | $1.2M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $162K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $162K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $157K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $157K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $165K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 124 | $237K |
| Other(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.