| 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. | $45K | — | $45K | 1.55% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAGE, NY 11788 | USABLE LIFE | $23K | — | $23K | 12.35% |
| HORIZON INSURANCE COMPANY3 Filed as: HORIZON INSURNACE COMPANY | THREE PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $11K | $11K | 5.81% |
| MIKE MCEVOY3 | 6 GREENLEIGH DRIVE SEWELL, NJ 08080 | VISION SERVICE PLAN | $1K | — | $1K | 4.84% |
| THOMAS VOLPE3 | 927 NORTH MAIN STREET SUITE A5 PLEASANTVILLE, NJ 08232 | AFLAC | $3K | — | $3K | 11.16% |
| ANTHONY WEISBECKER3 Filed as: ANTHONY J. WEISBECKER | 121 CLUB PLACE GALLOWAY, NJ 08205 | AFLAC | $620 | — | $620 | 2.47% |
| MJ INSURANCE3 Filed as: GLENN H. CARTER AND VARIOUS AGENTS | 7103 ORCHARD TRACE WILMINGTON, NC 28409 | AFLAC | $519 | $13 | $532 | 2.12% |
| KAREN BECHTELHEIMER3 | 67 STONESHIRE DRIVE GLASSBORO, NJ 08028 | AFLAC | $468 | — | $468 | 1.87% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 927 NORTH MAIN STREET, SUITE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $460 | $3 | $463 | 1.85% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. SHIOMOS | 44 MONROE DRIVE CLEMENTON, NJ 08021 | AFLAC | $394 | $3 | $397 | 1.58% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $99 | — | $99 | 0.39% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $783 | — | $783 | 17.91% |
| LARRY D DENNY3 Filed as: LARRY C. KENNEY | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $74 | — | $74 | 1.69% |
| KRISTI A CIESLAK3 Filed as: KRISTI A. CIESLAK | 126 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $66 | — | $66 | 1.51% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $27 | — | $27 | 0.62% |
| LYNN A GOULD3 Filed as: LYNN A. GOULD | 210 LEXINGTON DRIVE LITTLE EGG HARBOR, NJ 08087 | AFLAC | $19 | — | $19 | 0.43% |
| MICHAEL BUTTERFIELD3 | 3120 FIRE ROAD, SUITE B102 EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $5 | — | $5 | 0.11% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SVCES. AND OTHER AGENTS | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $4 | — | $4 | 0.09% |
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 | 290 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 226 | $2.9M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 226 | $2.9M |
| Vision | VISION SERVICE PLAN | 219 | $28K |
| Life insurance | USABLE LIFE | 290 | $184K |
| Short-term disability | USABLE LIFE | 290 | $184K |
| Long-term disability | USABLE LIFE | 290 | $184K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 226 | $2.9M |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 290 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.