| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $50K | — | $50K | 1.86% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAGE, NY 11788 | USABLE LIFE | $23K | — | $23K | 12.02% |
| HORIZON INSURANCE COMPANY3 Filed as: HORIZON INSURNACE COMPANY | THREE PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $11K | $11K | 5.63% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 6 GREENLEIGH DRIVE SEWELL, NJ 08080 | VISION SERVICE PLAN | $1K | — | $1K | 4.95% |
| KAREN BECHTELHEIMER3 | 67 STONESHIRE DRIVE GLASSBORO, NJ 08028 | AFLAC | $514 | — | $514 | 3.05% |
| MJ INSURANCE3 Filed as: MICHAEL WING AND VARIOUS AGENTS | 927 NORTH MAIN STREET PLEASANTVILLE, NJ 08232 | AFLAC | $399 | $16 | $415 | 2.46% |
| ANTHONY WEISBECKER3 Filed as: ANTHONY J. WEISBECKER | 121 CLUB PLACE GALLOWAY, NJ 08205 | AFLAC | $363 | — | $363 | 2.16% |
| KENNARD-PERRI3 | 3703 DRIFTWOOD DRIVE MELBOURNE, FL 32935 | AFLAC | $151 | — | $151 | 0.90% |
| JENNIFER W. WEISBECKER3 | 126 DAVIS AVENUE ABSECON, NJ 08201 | AFLAC | $94 | $26 | $120 | 0.71% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $104 | — | $104 | 0.62% |
| GLENN H CARTER3 Filed as: GLENN H. CARTER | 7103 ORCHARD TRACE WILMINGTON, NC 28409 | AFLAC | $78 | — | $78 | 0.46% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $135 | — | $135 | 3.79% |
| KRISTI A CIESLAK3 Filed as: KRISTI A. CIESLAK | 126 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $66 | — | $66 | 1.85% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 126 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $45 | — | $45 | 1.26% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $28 | — | $28 | 0.79% |
| MJ INSURANCE3 Filed as: LYNN A. GOULD AND VARIOUS AGENTS | 32 ABBIE DRIVE LITTLE EGG HARBOR TWP, NJ 08087 | AFLAC | $20 | — | $20 | 0.56% |
| KAREN BECHTELHEIMER3 | 67 STONESHIRE DRIVE GLASSBORO, NJ 08028 | AFLAC | $15 | — | $15 | 0.42% |
| LYNN A GOULD3 Filed as: LYNN A. GOULD | 474 QUINCE AVENUE GALLOWAY, NJ 08205 | AFLAC | $14 | — | $14 | 0.39% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 201 | $2.7M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 201 | $2.7M |
| Vision | VISION SERVICE PLAN | 207 | $27K |
| Life insurance | USABLE LIFE | 284 | $194K |
| Short-term disability | USABLE LIFE | 284 | $194K |
| Long-term disability | USABLE LIFE | 284 | $194K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 201 | $2.7M |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 284 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.