| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $60K | — | $60K | 2.93% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $6K | $240 | $6K | 5.19% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NE 11375 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $4K | — | $4K | 3.49% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1K | — | $1K | 0.81% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $536 | — | $536 | 0.44% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $531 | — | $531 | 0.43% |
| RICHARD WHELAND3 | 3507 NORTHWEST CLUBSIDE CIRCLE BOCA RATON, FL 33495 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $460 | $40 | $500 | 0.41% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 100 WALL STREET FLOOR 26 NEW YORK, NY 10005 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $248 | — | $248 | 0.20% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET 11C NEW YORK, NY 10038 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $240 | — | $240 | 0.19% |
| WILLIAM O'CONNELL3 Filed as: WILLIAM J OCONNELL | 98 LOIS LANE MONROE, NY 10950 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $240 | — | $240 | 0.19% |
| RONALD J MOGG JR3 | 184 OLD MANARNECK ROAD WHITE PLAINS, NY 10605 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $228 | — | $228 | 0.19% |
| ANDBEE CORP3 | PO BOX 84 SOUTHFIELDS, NY 10975 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $222 | — | $222 | 0.18% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $161 | — | $161 | 0.13% |
| SHARON L SPARKES-RENAUD3 | 75 CARNEY DRIVE CARNEYS POINT, NJ 08089 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $160 | — | $160 | 0.13% |
| RUSSELL T BARRETT3 | 145 NORTH FRANKLIN TURNPIKE SUITE 118 RAMSEY, NJ 07446 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $153 | — | $153 | 0.12% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $123 | — | $123 | 0.10% |
| JASON D HARTMAN3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $81 | — | $81 | 0.07% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $80 | — | $80 | 0.06% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $77 | — | $77 | 0.06% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $77 | — | $77 | 0.06% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $73 | — | $73 | 0.06% |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $54 | — | $54 | 0.04% |
| VARIOUS - SEE ATTACHED3 Filed as: MICHAEL'S CHILLE AFLAC NY | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $49 | — | $49 | 0.04% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD SUITE 12B LINWOOD, NJ 08221 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $39 | — | $39 | 0.03% |
| RICHARD P MULLEN3 | 929 TEANECK ROAD APARTMENT 1C TEANECK, NJ 07666 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $38 | — | $38 | 0.03% |
| TIMOTHY CAVAZOS3 | 30 LENOX ROAD APARTMENT 2D ROCKVILLE CENTRE, NY 11570 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $35 | — | $35 | 0.03% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $24 | — | $24 | 0.02% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 1 SEAPORT PLAZA 23RD FLOOR NEW YORK, NY 10038 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $24 | — | $24 | 0.02% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $23 | — | $23 | 0.02% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08864 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $18 | — | $18 | 0.01% |
| TIMOTHY CAVAZOS3 | 11561 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $17 | — | $17 | 0.01% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $11 | — | $11 | 0.01% |
| AMY K FOY3 | 804 MCCOY ROAD FRANKLIN LAKES, NJ 07417 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $7 | — | $7 | 0.01% |
| MELISSA A SCHOFIELD3 | 932 EAST VOLK LANE MIDDLETOWN, CT 06457 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $7 | — | $7 | 0.01% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $6 | — | $6 | 0.00% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ROBERT TABAN DONATO3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MELISSA A SCHOFIELD3 | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JUDITH S KASS3 | 47 MORNING WATCH ROAD WAYNE, NJ 07470 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JILL LISA RAPPAPORT3 | 1398 22ND STREET BROOKLYN, NY 11232 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $2 | — | $2 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 33 MORGAN DRIVE SPARTA, NJ 07871 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 7.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 3.97% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | USABLE LIFE | $4K | — | $4K | 10.54% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 5.24% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY #1 LIVINGSTON, NJ 070391022 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 7.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 070391022 | UNITEDHEALTHCARE INSURANCE COMPANY | $928 | — | $928 | 5.44% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 130 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $106K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 110 | $17K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN FAMILY LIFE ASSURANCE COMPANY | 148 | $159K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 130 | $2.1M |
| Other(2 contracts, 2 carriers) | AMERICAN FAMILY LIFE ASSURANCE COMPANY | 148 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.