| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $0 | $24K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 16.05% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS, LLC | 729 RAYMERE AVENUE INTERLAKEN, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 14.41% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.39% |
| BARBARA A HAWES3 Filed as: BARBARA A. HAWES | 21 MAPLE LANE, UNIT D BRIELLE, NJ 08730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | $0 | $91 | 0.06% |
| ROSE & KIERNAN INC3 Filed as: ROSE SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | $0 | $89 | 0.06% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12-B LINWOOD, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.02% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS, LLC | 1901 STAT ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $3K | $104 | $3K | 4.56% |
| BARBARA A HAWES3 Filed as: BARBARA A. HAWES AND OTHER AGENTS | 21 MAPLE LANE, UNIT D BRIELLE, NJ 08730 | AFLAC | $3K | $17 | $3K | 4.25% |
| MARTIN A. ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $1K | $0 | $1K | 2.21% |
| MICHAEL TUMMINELLI3 | 238 BIRCH LANE FORKED RIVER, NJ 08731 | AFLAC | $640 | $0 | $640 | 1.00% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $532 | $0 | $532 | 0.83% |
| WILSON H TRANSUE3 Filed as: WILSON H. TRANSUE | 1487 SULLIVAN TRAIL TANNERSVILLE, PA 18372 | AFLAC | $408 | $0 | $408 | 0.64% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | AFLAC | $376 | $0 | $376 | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | METLIFE LEGAL PLANS | $6K | $0 | $6K | 10.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $756 | $756 | 1.35% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 830 MORRIS TURNPIKE SHORT HILLS, NJ 07078 | METLIFE LEGAL PLANS | $0 | $81 | $81 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | METLIFE LEGAL PLANS | $0 | $41 | $41 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $0 | $3 | $3 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 15.00% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PLACE LITTLETON, CO 80130 | AFLAC | $144 | $0 | $144 | 5.58% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $48 | $0 | $48 | 1.86% |
| KATHERINE ANDERSON3 | 2050 EAST 101ST COURT THORNTON, CO 80229 | AFLAC | $42 | $0 | $42 | 1.63% |
| MARTIN A. ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $35 | $0 | $35 | 1.36% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL BUTTERFIELD & OTHER AGENTS | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $28 | $0 | $28 | 1.09% |
| LISA M HALL3 Filed as: LISA M. HALL | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $21 | $0 | $21 | 0.81% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A. CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $12 | $0 | $12 | 0.47% |
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 | 1,308 | 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) | 1,308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,273 | $1.2M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,273 | $1.2M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,273 | $1.2M |
| Other(7 contracts, 6 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,308 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,308 | — |
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.