| 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 | $27K | $30K | $57K | 3.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 12.89% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS, LLC | 729 RAYMERE AVENUE INTERLAKE, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 10.73% |
| ROSE M SUDANO3 Filed as: ROSE M. SUDANO | 74 KNOX LANE MANALAPA, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.37% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $635 | $0 | $635 | 0.52% |
| BARBARA A HAWES3 Filed as: BARBARA A. HAWES | 21 MAPLE LANE, SUITE D BRIELLE, NJ 08730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 0.06% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12-B LINWOOD, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $6K | $0 | $6K | 10.76% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | $0 | $253 | $253 | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $118 | $118 | 0.22% |
| WILSON H TRANSUE3 Filed as: WILSON H. TRANSUE AND OTHER AGENTS | 1487 SULLIVAN TRAIL TANNERSVILLE, PA 18372 | AFLAC | $1K | $0 | $1K | 4.23% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS, LLC | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $790 | $0 | $790 | 2.61% |
| MARTIN A. ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $691 | $0 | $691 | 2.28% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $351 | $0 | $351 | 1.16% |
| MICHAEL TUMMINELLI3 | 238 BIRCH LANE FORKED RIVER, NJ 08731 | AFLAC | $247 | $0 | $247 | 0.82% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $178 | $0 | $178 | 0.59% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $156 | $0 | $156 | 0.52% |
| MJ INSURANCE3 Filed as: ROSE M. SUDANO AND VARIOUS AGENTS | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $680 | $0 | $680 | 4.51% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS, LLC | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $428 | $0 | $428 | 2.84% |
| MARTIN A. ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $279 | $0 | $279 | 1.85% |
| MICHAEL TUMMINELLI3 | 238 BIRCH LANE FORKED RIVER, NJ 08731 | AFLAC | $208 | $0 | $208 | 1.38% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. DESARNO | 1901 STATE ROUTE 71, SUITE 3B WALL, NJ 07719 | AFLAC | $123 | $0 | $123 | 0.82% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $113 | $0 | $113 | 0.75% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PLACE LITTLETON, CO 80130 | AFLAC | $95 | $0 | $95 | 0.63% |
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 | 1,278 | 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) | 1,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,246 | $1.5M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,246 | $1.5M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,246 | $1.5M |
| Other(7 contracts, 6 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,329 | $1.8M |
| 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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.