| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES INC | $29K | $0 | $29K | 1.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES INC | $6K | $0 | $6K | 0.21% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES INC | $5K | $0 | $5K | 0.17% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 6.54% |
| MICHAEL P MCEVOY II3 | SIX GREENLEIGH DRIVE SEWELL, NJ 08080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.44% |
| MICHAEL P MCEVOY II3 | SIX GREENLEIGH DRIVE SEWELL, NJ 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.45% |
| MICHAEL P MCEVOY II3 Filed as: MICHAEL P MCEVOY | SIX GREENLEIGH DRIVE SEWLL, NJ 08080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.33% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 308 HAUPPAGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.98% |
| THOMAS VOLPE3 | 5218 ATLANTIC AVENUE MAYS LANDING, NJ 08330 | AFLAC | $716 | $318 | $1K | 4.19% |
| ANTHONY WEISBECKER3 Filed as: ANTHONY J WEISBECKER | 121 CLUB PLACE GALLOWAY, NJ 08205 | AFLAC | $600 | $45 | $645 | 2.61% |
| KAREN BECHTELHEIMER3 | 67 STONESHIRE DRIVE GLASSBORO, NJ 08028 | AFLAC | $455 | $0 | $455 | 1.84% |
| LORENZO V CUTAIA3 Filed as: LORENZO V CUTAIA & VAR AGENTS | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $417 | $0 | $417 | 1.69% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 927 NORTH MAIN STREET SUITE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $243 | $72 | $315 | 1.28% |
| MICHAEL C WALKER3 Filed as: MICHAEL J SHIOMOS | 44 MONROE DRIVE CLEMENTON, NJ 08021 | AFLAC | $140 | $72 | $212 | 0.86% |
| GLENN H CARTER3 | 7103 ORCHARD TRICE WILMINGTON, NC 28409 | AFLAC | $104 | $0 | $104 | 0.42% |
| MIKE MCEVOY3 | SIX GREENLEIGH DRIVE SEWLL, NJ 08080 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.05% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $705 | $118 | $823 | 15.93% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $69 | $20 | $89 | 1.72% |
| KRISTI A CIESLAK3 | 126 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $44 | $0 | $44 | 0.85% |
| LORENZO V CUTAIA3 | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $26 | $0 | $26 | 0.50% |
| LYNN A GOULD3 | 210 LEXINGTON DRIVE LITTLE EGG HARBOR, NJ 08087 | AFLAC | $17 | $0 | $17 | 0.33% |
| LARRY KENNEY3 Filed as: LARRY C KENNEY & VAR AGENTS | 107 WEST CENTENNIAL DRIVE MEDFORD, NJ 08055 | AFLAC | $12 | $0 | $12 | 0.23% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD SUITE 12B LINWOOD, NJ 08221 | AFLAC | $4 | $0 | $4 | 0.08% |
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 | 203 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 156 | $2.8M |
| Dental | HORIZON HEALTHCARE SERVICES INC | 156 | $2.8M |
| Vision | VISION SERVICE PLAN | 142 | $23K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $160K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $160K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $160K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 156 | $2.8M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.