| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER RD FLORHAM PARK, NJ 08101 | HORIZON HEALTHCARE SERVICES, INC. | $34K | $7K | $41K | 5.82% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | $2K | $805 | $3K | 9.58% |
| MICHAEL WEDGE3 | 502 WASHINGTON AVE STE 600 TOWSON, MD 21204 | AFLAC | $347 | — | $347 | 2.34% |
| RANDOLPH HAMILTON3 | 2116 MAGNOLIA CT CINNAMINSON, NJ 08077 | AFLAC | $201 | — | $201 | 1.36% |
| PATRICIA DOXZEN3 | 11504 SAINT DAVIDS LN LUTHERVILLE, MD 21093 | AFLAC | $180 | — | $180 | 1.21% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AFLAC | $168 | — | $168 | 1.13% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $131 | — | $131 | 0.88% |
| SCARLET RODRIGUEZ3 | 218 ELLIGER AVE FORT WASHINGTON, PA 19034 | AFLAC | $122 | — | $122 | 0.82% |
| FREDERICK W WILSON III3 | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $97 | — | $97 | 0.65% |
| WILLIE BEVERLY3 | 8721 AUTUMN RIDGE CT ODENTON, MD 21113 | AFLAC | $50 | $44 | $94 | 0.63% |
| DARLENE S DILLON3 | 120 WOODSIDE RD LEXINGTON, SC 29072 | AFLAC | $94 | — | $94 | 0.63% |
| CAROLIN BERMUDEZ3 | 703 ETHAN ALLEN AVE APT 302 TAKOMA PARK, MD 20912 | AFLAC | $40 | $38 | $78 | 0.53% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $21 | $25 | $46 | 0.31% |
| DOMINICK VIETRI3 | 442 E DELP RD LANCASTER, PA 17601 | AFLAC | $31 | — | $31 | 0.21% |
| VICTOR M VELEZ3 | 401 CUMBRIAN CT WEST CHESTER, PA 19382 | AFLAC | $30 | — | $30 | 0.20% |
| ANGELA T HAMILTON3 Filed as: ANGELA HAMILTON | 2116 MAGNOLIA CT CINNAMINSON, NJ 08077 | AFLAC | $13 | — | $13 | 0.09% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $12 | — | $12 | 0.08% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $11 | — | $11 | 0.07% |
| GERALD D KNOTT SR3 Filed as: GERALD KNOTT SR | 2113 TRIMBLE RD EDGEWOOD, MD 21040 | AFLAC | $9 | — | $9 | 0.06% |
| ELLEN M CRAWFORD3 Filed as: ELLEN CRAWFORD | P.O. BOX 6047 ANNAPOLIS, MD 21401 | AFLAC | $6 | — | $6 | 0.04% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $5 | — | $5 | 0.03% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DR BERLIN, MD 21811 | AFLAC | $4 | — | $4 | 0.03% |
| THOMAS J POPPERT3 Filed as: THOMAS POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $3 | — | $3 | 0.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $267 | — | $267 | 5.01% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 68 | $727K |
| Dental | AETNA LIFE INSURANCE CO. | 113 | $31K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 82 | $5K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 138 | $27K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 68 | $712K |
| Other(2 contracts, 2 carriers) | AFLAC | 138 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.