| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACORN FINANCIAL SERVICES3 | 290 W. MOUNT PLEASANT AVENUE STE 3100 LIVINGSTON, NJ 07039 | HORIZON HEALTHCARE SERVICES, INC. | $49K | — | $49K | 3.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 13.84% |
| DANIEL P KEENAN3 Filed as: DANIEL KEENAN | 30 WASHINGTON AVE STE B-5 HADDONFIELD, NJ 08033 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 11.04% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 11.03% |
| IAN MCLAUGHLIN3 | 30 WASHINGTON AVE STE B-5 HADDONFIELD, NJ 08033 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.26% |
| ZORN BENEFITS GROUP LLC3 | 179 S GLEN RD KINNELON, NJ 07405 | AFLAC | $1K | $156 | $2K | 3.00% |
| BRAD CLINTON3 | 41 WILSON AVE E RIVERDALE, NJ 07457 | AFLAC | $852 | $219 | $1K | 2.12% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $666 | $62 | $728 | 1.44% |
| RUSSELL W WALLIN3 | 4 MIDPARK DR BRICK, NJ 08724 | AFLAC | $568 | — | $568 | 1.13% |
| ZORN BENEFITS GROUP LLC3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $427 | — | $427 | 0.85% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD 4TH FLR PHILADELPHIA, PA 19125 | AFLAC | $378 | — | $378 | 0.75% |
| JENISE RUSSO3 | 97 THE CIR PASSAIC, NJ 07055 | AFLAC | $250 | — | $250 | 0.50% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $249 | — | $249 | 0.49% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $190 | — | $190 | 0.38% |
| MARIA MULLER3 | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $145 | — | $145 | 0.29% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $124 | — | $124 | 0.25% |
| ROBERT FREDERIC ALLAN3 Filed as: ROBERT P DEVILLA | 6401 KENNEDY BLVD E APT B1 WEST NEW YORK, NJ 07093 | AFLAC | $108 | — | $108 | 0.21% |
| ARUNAS GEORGE STRASDAS3 | 11055 SW WINDING LAKES CIR PORT ST LUCIE, FL 34987 | AFLAC | $73 | — | $73 | 0.14% |
| DARLENE ANITA SANDERS3 | 9680 MARSH WREN CT APT 301 LAKE WORTH, FL 33467 | AFLAC | $63 | — | $63 | 0.12% |
| SHERRY M SMITH3 | 4388 WAXWING CT BOYNTON BEACH, FL 33436 | AFLAC | $49 | — | $49 | 0.10% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $34 | — | $34 | 0.07% |
| CHISTOPHER STROUD3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $31 | — | $31 | 0.06% |
| YAJAIRA SUAREZ3 | 430 CHESTNUT AVE SOUTH HACKENSACK, NJ 07606 | AFLAC | $26 | — | $26 | 0.05% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $24 | — | $24 | 0.05% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $24 | — | $24 | 0.05% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $20 | — | $20 | 0.04% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $14 | — | $14 | 0.03% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $12 | — | $12 | 0.02% |
| JUDITH S KASS3 | 47 MORNING WATCH RD WAYNE, NJ 07470 | AFLAC | $7 | — | $7 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $4 | — | $4 | 0.01% |
| BRIAN M LEYPOLDT3 | 67 ALLISION PL EGG HARBOR TWP, NJ 08234 | AFLAC | $3 | — | $3 | 0.01% |
| ACORN FINANCIAL SERVICES3 | 290 W. MOUNT PLEASANT AVENUE STE 3100 LIVINGSTON, NJ 07039 | HORIZON INSURANCE COMPANY | $993 | — | $993 | 9.09% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 104 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $79K |
| Vision | HORIZON INSURANCE COMPANY | 103 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $79K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $79K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 104 | $1.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.