| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $27K | $54K | 3.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2580 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | $0 | $30K | 17.72% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVENUE INTERLAKEN, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 15.91% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.57% |
| BARBARA A HAWES3 Filed as: BARBARA A. HAWES | 21 MAPLE LANE, UNIT D BRIELLE, NJ 08730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 0.05% |
| ROSE M SUDANO3 Filed as: ROSE M. SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | $0 | $83 | 0.05% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12-B LINWOOD, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.01% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI AND OTHER AGENTS | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $3K | $20 | $3K | 4.79% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $2K | $51 | $2K | 3.46% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $1K | $0 | $1K | 2.21% |
| MARTIN A. ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $1K | $0 | $1K | 2.14% |
| PRECISION BENEFITS GROUP3 | 2325 BROWN STREET, SUITE 1F PHILADELPHIA, PA 19130 | AFLAC | $619 | $0 | $619 | 0.97% |
| MICHAEL TUMMINELLI3 | 238 BIRCH LANE FORKED RIVER, NJ 08731 | AFLAC | $607 | $0 | $607 | 0.95% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $472 | $0 | $472 | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | METLIFE LEGAL PLANS | $6K | $0 | $6K | 10.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $883 | $883 | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYNDON B. JOHNSON FREEWAY SUITE 400 DALLAS, TX 75240 | METLIFE LEGAL PLANS | $0 | $54 | $54 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | METLIFE LEGAL PLANS | $0 | $54 | $54 | 0.09% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $270 | $0 | $270 | 8.84% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PLACE LITTLETON, CO 80130 | AFLAC | $130 | $0 | $130 | 4.26% |
| THERESA CHAMBLISS3 Filed as: THERESA CHAMBLISS AND OTHER AGENTS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $50 | $0 | $50 | 1.64% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $42 | $0 | $42 | 1.38% |
| MARTIN A. ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $38 | $0 | $38 | 1.24% |
| KATHERINE ANDERSON3 | 2050 EAST 101ST COURT THORNTON, CO 80229 | AFLAC | $31 | $0 | $31 | 1.02% |
| LISA M HALL3 Filed as: LISA M. HALL | 686 WEST MOGUL LOOP APARTMENT 102 HAYDEN, ID 83835 | AFLAC | $16 | $0 | $16 | 0.52% |
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 | 1,338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,312 | $1.6M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,312 | $1.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,312 | $1.6M |
| Other(7 contracts, 6 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,338 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,338 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.