| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | PRINCIPAL LIFE INSURANCE COMPANY | $41K | $13K | $54K | 6.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.33% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS, LLC | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $4K | $0 | $4K | 7.58% |
| MJ INSURANCE3 Filed as: WILSON TRANSUE AND VARIOUS AGENTS | 1487 SULLIVAN TRAIL TANNERSVILLE, PA 18372 | AFLAC | $2K | $0 | $2K | 4.25% |
| MARTIN A. ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $1K | $0 | $1K | 2.56% |
| BARBARA A HAWES3 Filed as: BARBARA A. HAWES | 21 MAPLE LANE, SUITE D BRIELLE, NJ 08730 | AFLAC | $1K | $0 | $1K | 2.38% |
| ROSE M SUDANO3 Filed as: ROSE M. SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $1K | $0 | $1K | 2.36% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12B LINWOOD, NJ 08221 | AFLAC | $1K | $0 | $1K | 2.06% |
| MICHAEL TUMMINELLI3 | 238 BIRCH LANE FORKED RIVER, NJ 08731 | AFLAC | $594 | $0 | $594 | 1.13% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 115 SOUTH JEFFERSON ROAD BUILDING 200 WHIPPANY, NJ 07981 | HYATT LEGAL PLANS | $5K | $0 | $5K | 10.28% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | HYATT LEGAL PLANS | $0 | $2K | $2K | 4.10% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 101 JFK PARKWAY SHORT HILLS, NJ 07078 | HYATT LEGAL PLANS | $0 | $433 | $433 | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HYATT LEGAL PLANS | $0 | $158 | $158 | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | $0 | $38 | $38 | 0.08% |
| HEATHER RUSNAK3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 80543 | HYATT LEGAL PLANS | $0 | $10 | $10 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 32.64% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS, LLC | 729 RAYMERE AVENUE INTERLAKEN, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 22.29% |
| ROSE & KIERNAN INC3 Filed as: ROSE SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.73% |
| BARBARA A HAWES3 Filed as: BARBARA A. HAWES | 21 MAPLE LANE, SUITE D BRIELLE, NJ 08730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.67% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $882 | $0 | $882 | 2.26% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12-B LINWOOD, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $204 | $0 | $204 | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $0 | $129 | $129 | 1.35% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PLACE LITTLETON, CO 80130 | AFLAC | $193 | $0 | $193 | 6.09% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $95 | $0 | $95 | 3.00% |
| KATHERINE ANDERSON3 | 2050 EAST 101ST COURT THORNTON, CO 80229 | AFLAC | $66 | $0 | $66 | 2.08% |
| THERESA CHAMBLISS3 Filed as: THERESA CHAMBLISS AND VARIOUS AGENT | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $40 | $0 | $40 | 1.26% |
| MARTIN A. ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $36 | $0 | $36 | 1.14% |
| LISA M HALL3 Filed as: LISA M. HALL | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $30 | $0 | $30 | 0.95% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12B LINWOOD, NJ 08221 | AFLAC | $22 | $0 | $22 | 0.69% |
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 | 1,101 | 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) | 1,101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,664 | $865K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,664 | $865K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,664 | $865K |
| Other(5 contracts, 5 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,664 | $941K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,664 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.