| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET - STE 1000 PHILADELPHIA, PA 19106 | HORIZON HEALTHCARE SERVICES, INC. | $9K | $0 | $9K | 2.70% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HARTFORD LIFE AND ACCIDENT | $24K | $0 | $24K | 7.05% |
| EXUDE BENEFITS GROUP INC3 | 2218 RACE STREET PHILADELPHIA, PA 19103 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 3.08% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $3K | $201 | $3K | 4.04% |
| TERRIANN PROCIDA3 | 101 A FOSTER RD MOORESTOWN, NJ 08057 | AFLAC | $1K | $0 | $1K | 2.11% |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $859 | $0 | $859 | 1.26% |
| WILLIAM JOHNSON3 | 471 WATERFORD EDGE CT ATCO, NJ 08004 | AFLAC | $781 | $13 | $794 | 1.16% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | AFLAC | $697 | $41 | $738 | 1.08% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY J ROGERS | PO BOX 781 GLENSIDE, PA 19038 | AFLAC | $562 | $0 | $562 | 0.82% |
| VINCENT M MORELLI3 | 746 5TH ST LYNDHURST, NJ 07071 | AFLAC | $307 | $0 | $307 | 0.45% |
| STEPHANIE S WADE3 | 400 LIPPINCOTT DR STE 110 MARLTON, NJ 08053 | AFLAC | $301 | $0 | $301 | 0.44% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIEDLER | 910 DARLENE AVE OCEAN, NJ 07712 | AFLAC | $274 | $17 | $291 | 0.43% |
| KRISTY A GIORDANO3 | 901 COURTNEY WAY MOUNT LAUREL, NJ 08054 | AFLAC | $240 | $29 | $269 | 0.39% |
| CYNTHIA MUELLER3 | 303 BLUE CYPRESS DR GROVELAND, FL 34736 | AFLAC | $234 | $0 | $234 | 0.34% |
| VMM BENEFITS INC3 | 746 5TH ST LYNDHURST, NJ 07071 | AFLAC | $230 | $0 | $230 | 0.34% |
| JOANNE HARTSOCK3 | 16 ROBYN LN DOYLESTOWN, PA 18901 | AFLAC | $191 | $0 | $191 | 0.28% |
| CHRISTOPHER J BURRIS3 | 26 MAIN ST STE 100 TOMS RIVER, NJ 08753 | AFLAC | $164 | $12 | $176 | 0.26% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 1433 MCMASTER DR SURFSIDE BEACH, SC 29575 | AFLAC | $159 | $0 | $159 | 0.23% |
| STEPHANIE DEVITO3 | 300 POND ST BRISTOL, PA 19007 | AFLAC | $153 | $0 | $153 | 0.22% |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | AFLAC | $105 | $0 | $105 | 0.15% |
| RICHARD H TOBIAS3 | 416 W JEFFERSON AVE LINWOOD, NJ 08221 | AFLAC | $103 | $0 | $103 | 0.15% |
| LORENZO V CUTAIA3 | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $102 | $0 | $102 | 0.15% |
| ERIC R MACDOUGALL3 | 1 NESHAMINY INTERPLEX STE 201 TREVOSE, PA 19053 | AFLAC | $85 | $0 | $85 | 0.12% |
| JEANNE CUOZZO3 Filed as: JEANNE JENNATTA | 550 CENTRAL AVE LINWOOD, NJ 08221 | AFLAC | $80 | $0 | $80 | 0.12% |
| ELAINE GAUDY3 | 290 MAIN ST APT K MADISON, NJ 07940 | AFLAC | $80 | $0 | $80 | 0.12% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVE STE B SEA ISLE CITY, NJ 08243 | AFLAC | $69 | $0 | $69 | 0.10% |
| D A BENEFITS INC3 | 14 BEACH ST EAST HANAFORD, NJ 07936 | AFLAC | $66 | $0 | $66 | 0.10% |
| MICHAEL J SHIOMOS3 | 44 MONROE DR CLEMENTON, NJ 08021 | AFLAC | $59 | $6 | $65 | 0.10% |
| KRISTI A CIESLAK3 | 126 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $63 | $0 | $63 | 0.09% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUTE 200E MILFORD, CT 06461 | AFLAC | $61 | $0 | $61 | 0.09% |
| MICHAEL BUTTERFIELD3 | 2021 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $59 | $0 | $59 | 0.09% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $59 | $0 | $59 | 0.09% |
| HELEN-MARY SCHOELDER3 Filed as: HELEN-MARY SHOEDLER | 33 KLAINS LN OCEAN VIEW, NJ 08230 | AFLAC | $58 | $0 | $58 | 0.08% |
| DAVID GROSSMAN3 Filed as: DAVID A IANNACONE | 22 RIDGE RD LYNDHURST, NJ 07071 | AFLAC | $57 | $0 | $57 | 0.08% |
| BENJAMIN R MORLEY3 | 2484 HIETER RD QUAKERTOWN, PA 18951 | AFLAC | $45 | $0 | $45 | 0.07% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $43 | $0 | $43 | 0.06% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $40 | $0 | $40 | 0.06% |
| STAN DALZELL3 | 956 BRYANT AVE LINWOOD, NJ 08221 | AFLAC | $38 | $0 | $38 | 0.06% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $35 | $0 | $35 | 0.05% |
| DARLENE S DILLON3 | 282 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $34 | $0 | $34 | 0.05% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | ONE NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $33 | $0 | $33 | 0.05% |
| ROGERS BENEFIT GROUP INC3 Filed as: DENISE ROGERS | 313 COUNTRY CLUB DR LANSDALE, PA 19446 | AFLAC | $32 | $0 | $32 | 0.05% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $31 | $0 | $31 | 0.05% |
| MATTHEW T OHANLON3 | 100 W ELM ST STE 101 CONSHOHOCKEN, PA 19428 | AFLAC | $30 | $0 | $30 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $29 | $0 | $29 | 0.04% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWY, NJ 08854 | AFLAC | $27 | $0 | $27 | 0.04% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $27 | $0 | $27 | 0.04% |
| DANIEL P HOFFMAN3 | 13 TOPEKA CT TINTON FALLS, NJ 07712 | AFLAC | $25 | $0 | $25 | 0.04% |
| JOANN HARTSOCK3 | 1214 EASTON ROAD SUITE 100 WARRINGTON, PA 18976 | AFLAC | $23 | $0 | $23 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $22 | $0 | $22 | 0.03% |
| CUSTOM INSURANCE PROGRAMS LLC3 | 994 W SHERMAN AVE BLDG 2 VINELAND, NJ 08360 | AFLAC | $21 | $0 | $21 | 0.03% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $17 | $0 | $17 | 0.02% |
| DARLEN S DILLON3 | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $16 | $0 | $16 | 0.02% |
| JOSHUA P SAUNDERS3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $15 | $0 | $15 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $15 | $0 | $15 | 0.02% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $14 | $0 | $14 | 0.02% |
| THOMAS VOLPE3 | 5218 ATLANTIC AVE MAYS LANDING, NJ 08330 | AFLAC | $12 | $0 | $12 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $12 | $0 | $12 | 0.02% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $11 | $0 | $11 | 0.02% |
| DAVID GROSSMAN3 Filed as: DAVID A IANNACONE | 630 BOULEVARD ELMWOOD PARK, NJ 07407 | AFLAC | $10 | $0 | $10 | 0.01% |
| LONA N ONGARO3 | 60 HENRY CT MOUNT ARLINGTON, NJ 07856 | AFLAC | $9 | $0 | $9 | 0.01% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 927 N MAIN ST, STE A6 PLEASANTVILLE, NJ 08332 | AFLAC | $8 | $0 | $8 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $7 | $0 | $7 | 0.01% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $7 | $0 | $7 | 0.01% |
| CAESAR D WILLIAMS JR3 | 325 CHESTNUT ST 8TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $6 | $0 | $6 | 0.01% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $6 | $0 | $6 | 0.01% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $5 | $0 | $5 | 0.01% |
| TIMOTHY MCDERMOTT3 | 630 BOULEVARD STE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $5 | $0 | $5 | 0.01% |
| MELISSA A SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $5 | $0 | $5 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $4 | $0 | $4 | 0.01% |
| LYNN A GOULD3 | 210 LEXINFTON DR LITTLE EGG HARBOR, NJ 08087 | AFLAC | $4 | $0 | $4 | 0.01% |
| CAROLYN E MORRISON3 | 108 PARKSIDE CT LEXINGTON, SC 29072 | AFLAC | $4 | $0 | $4 | 0.01% |
| THOMAS VOLPE3 | 927 N MAIN ST STE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $4 | $0 | $4 | 0.01% |
| MELISSA A SCHOFIELD3 | 34 WATCH HILL DR MIDDLETOWN, CT 06457 | AFLAC | $4 | $0 | $4 | 0.01% |
| NANCY M ANDERSON3 | 11 CEDAR COURT SOMERS POINT, NJ 08244 | AFLAC | $3 | $0 | $3 | 0.00% |
| NJ NATIONAL ASSOC. LIFE AGENCY3 | PO BOX 477 510 BANK STREET STE 200 CAPE MAY, NJ 08204 | AFLAC | $3 | $0 | $3 | 0.00% |
| TARA MICHELLE D AGOSTINO3 | 271 US HIGHWAY 46 STE D207 FAIRFIELD, NJ 07004 | AFLAC | $3 | $0 | $3 | 0.00% |
| CAROLYN E MORRISON3 | 55 EAST END AVENUE CARNEYS POINT, NJ 08069 | AFLAC | $3 | $0 | $3 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $2 | $0 | $2 | 0.00% |
| LONA N ONGARO3 | 16 TALBOT STREET SOMERSET, NJ 08873 | AFLAC | $2 | $0 | $2 | 0.00% |
| CAESAR D WILLIAMS JR3 | 123 S BROAD ST STE 1640 PHILADELPHIA, PA 19109 | AFLAC | $1 | $0 | $1 | 0.00% |
| SEAN G HIGGINS3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $1 | $0 | $1 | 0.00% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $1 | $0 | $1 | 0.00% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $1 | $0 | $1 | 0.00% |
| SEAN G HIGGINS3 | 816 DOVER COURT PL DOWNINGTOWN, PA 19335 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $1 | $0 | $1 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | NATIONAL VISION ADMINISTRATORS, LLC (HEARTLAND) | $2K | $0 | $2K | 3.59% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC. | 2218 RACE STREET PHILADELPHIA, PA 19103 | NATIONAL VISION ADMINISTRATORS, LLC (HEARTLAND) | $693 | $0 | $693 | 1.17% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC. | 2218 RACE STREET PHILADELPHIA, PA 19103 | NATIONAL VISION ADMINISTRATORS, LLC (HEARTLAND) | $237 | $0 | $237 | 4.75% |
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 | 435 | 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) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 435 | $4.8M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 416 | $342K |
| Vision(2 contracts) | NATIONAL VISION ADMINISTRATORS, LLC (HEARTLAND) | 745 | $64K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 290 | $334K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 290 | $334K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 435 | $1.9M |
| Other | AFLAC | 70 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.