| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | $0 | $37K | 3.88% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPANY, NJ 07981 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.77% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS, LLC | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $3K | $269 | $3K | 5.40% |
| MJ INSURANCE3 Filed as: WILSON TRANSUE AND VARIOUS AGENTS | 1487 SULLIVAN TRAIL TANNERSVILLE, PA 18372 | AFLAC | $2K | $25 | $2K | 4.38% |
| MARTIN A. ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $1K | $0 | $1K | 2.29% |
| BARBARA A HAWES3 Filed as: BARBARA A. HAWES | 21 MAPLE LANE, SUITE D BRIELLE, NJ 08730 | AFLAC | $508 | $185 | $693 | 1.26% |
| ROSE M SUDANO3 Filed as: ROSE M. SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $476 | $185 | $661 | 1.20% |
| MICHAEL TUMMINELLI3 | 238 BIRCH LANE FORKED RIVER, NJ 08731 | AFLAC | $569 | $0 | $569 | 1.03% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12B LINEWOOD, NJ 08221 | AFLAC | $443 | $111 | $554 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 18.90% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS, LLC | 729 RAYMERE AVENUE INTERLAKEN, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 15.70% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $807 | $0 | $807 | 1.57% |
| ROSE & KIERNAN INC3 Filed as: ROSE SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $339 | $0 | $339 | 0.66% |
| BARBARA A HAWES3 Filed as: BARBARA A. HAWES | 21 MAPLE LANE, SUITE D BRIELLE, NJ 08730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $336 | $0 | $336 | 0.65% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12-B LINWOOD, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | METLIFE LEGAL PLANS | $5K | $0 | $5K | 10.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METLIFE LEGAL PLANS | $0 | $507 | $507 | 1.13% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 115 SOUTH JEFFERSON ROAD BUILDING 200 WHIPANY, NJ 07981 | METLIFE LEGAL PLANS | $405 | $0 | $405 | 0.90% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | METLIFE LEGAL PLANS | $0 | $318 | $318 | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | METLIFE LEGAL PLANS | $0 | $54 | $54 | 0.12% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PLACE LITTLETON, CO 80130 | AFLAC | $187 | $0 | $187 | 5.84% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $61 | $19 | $80 | 2.50% |
| KATHERINE ANDERSON3 | 2050 EAST 101ST COURT THORNTON, CO 80229 | AFLAC | $65 | $0 | $65 | 2.03% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL BUTTERFIELD AND OTHER AGENT | 2021 NEW ROAD, SUITE 12B LINWOOD, NJ 08221 | AFLAC | $35 | $3 | $38 | 1.19% |
| MARTIN A. ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $35 | $0 | $35 | 1.09% |
| LISA M HALL3 Filed as: LISA M. HALL | 2542 EAST SUNDOWN DRIVE COEUR D. ALENE, ID 83815 | AFLAC | $33 | $0 | $33 | 1.03% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A. CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $12 | $0 | $12 | 0.38% |
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 | 1,261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,883 | $946K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,883 | $946K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,883 | $946K |
| Other(7 contracts, 6 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,883 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,883 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.