| 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 | $25K | $36K | $62K | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 12.07% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVENUE INTERLAKEN, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 10.43% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.80% |
| ROSE M SUDANO3 Filed as: ROSE M. SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.66% |
| BARBARA A HAWES3 Filed as: BARBARA A. HAWES | 21 MAPLE LANE, UNIT D BRIELLE, NJ 08730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | $0 | $87 | 0.04% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12-B LINWOOD, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | METLIFE LEGAL PLANS | $5K | $88 | $5K | 8.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 2.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $921 | $921 | 1.60% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER.COM., INC. | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | $0 | $901 | $901 | 1.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | METLIFE LEGAL PLANS | $0 | $63 | $63 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $0 | $1 | $1 | 0.00% |
| MJ INSURANCE3 Filed as: KEVIN MCINERNEY AND VARIOUS AGENTS | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $2K | $24 | $2K | 3.98% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUT 71, SUITE 3B WALL, NJ 07719 | AFLAC | $2K | $0 | $2K | 2.96% |
| SUSAN ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $1K | $0 | $1K | 2.37% |
| MICHAEL TUMMINELLI3 | 238 BIRCH LANE FORKED RIVER, NJ 08731 | AFLAC | $522 | $0 | $522 | 0.97% |
| MICHAEL DESARNO3 | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $417 | $102 | $519 | 0.96% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $386 | $0 | $386 | 0.72% |
| WILSON H TRANSUE3 Filed as: WILSON TRANSUE | 1487 SULLIVAN TRAIL TANNERVILLE, PA 18372 | AFLAC | $260 | $0 | $260 | 0.48% |
| MICHAEL DESARNO3 | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $134 | $21 | $155 | 4.47% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PLACE LITTLETON, CO 80130 | AFLAC | $144 | $0 | $144 | 4.15% |
| MJ INSURANCE3 Filed as: JOHN CAPOZZI AND VARIOUS AGENTS | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $85 | $5 | $90 | 2.59% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUT 71, SUITE 3B WALL, NJ 07719 | AFLAC | $79 | $0 | $79 | 2.28% |
| KATHERINE ANDERSON3 | 2050 EAST 101ST COURT THORNTON, CO 80229 | AFLAC | $40 | $0 | $40 | 1.15% |
| SUSAN ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $37 | $0 | $37 | 1.07% |
| LISA HALL3 | 686 WEST MOGUL LOOP APARTMENT 102 HAYDEN, ID 83835 | AFLAC | $21 | $0 | $21 | 0.61% |
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 | 1,329 | 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) | 1,329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,329 | $1.4M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,329 | $1.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,329 | $1.4M |
| Other(7 contracts, 6 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,329 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,329 | — |
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.