| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | $6K | $6K | 0.47% |
| ASHLEY KIEHNER3 | 107 W CENTENNIAL DR MEDFORD, NJ 08055 | AFLAC | $23K | $533 | $24K | 11.18% |
| LINDA W OLGUIN3 Filed as: LINDA M DUNFEE | 1241 ALMONESSON RD DEPTFORD, NJ 08096 | AFLAC | $4K | $100 | $4K | 1.98% |
| ASHLEY KIEHNER3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $4K | $351 | $4K | 1.82% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $4K | $44 | $4K | 1.81% |
| LARRY D DENNY3 Filed as: LARRY C KENNY | 107 W CENTENNIAL DR MEDFORD, NJ 08055 | AFLAC | $4K | $75 | $4K | 1.73% |
| EDIANA MARTINEZ3 | 1611 TOMAHAWK CT VINELAND, NJ 08361 | AFLAC | $1K | — | $1K | 0.70% |
| ALLISON YOUNG3 | 784 CARTERET CT MOUNT LAUREL, NJ 08054 | AFLAC | $942 | $103 | $1K | 0.49% |
| RICARDO OSEGUERA3 | 2217 PASADENA ST SANTA ANA, CA 92705 | AFLAC | $632 | — | $632 | 0.30% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $367 | — | $367 | 0.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | P.O. BOX 10414 DES MOINES, IA 50306 | AFLAC | $316 | — | $316 | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | P.O. BOX 310502 DES MOINES, IA 50331 | AFLAC | $270 | — | $270 | 0.13% |
| MAGDALY SANTOS3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $120 | — | $120 | 0.06% |
| CHRISTOPHER CHIACHETTI3 | 203A MULBERRY CV MOUNT LAUREL, NJ 08054 | AFLAC | $56 | $23 | $79 | 0.04% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $65 | — | $65 | 0.03% |
| JANICE M ADAMSON3 | 495 E. RINCON ST STE 212 CORONA, CA 92879 | AFLAC | $42 | — | $42 | 0.02% |
| AMANDA M MERKL3 | 331 PRESTON AVE APT 1402 VOORHEES, NJ 08043 | AFLAC | $40 | — | $40 | 0.02% |
| DANIEL TYLER ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $40 | — | $40 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $36 | — | $36 | 0.02% |
| JANICE M ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $25 | — | $25 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL T ADAMSON | 2700 N MAIN ST STE 601 SANTA ANA, CA 92705 | AFLAC | $24 | — | $24 | 0.01% |
| TREVOR A SMALL3 | 3420 KENROOKE CT KALAMAZOO, MI 49006 | AFLAC | $7 | — | $7 | 0.00% |
| AMANDA M MERKL3 | 1816 ROUTE 70 APT B SOUTHAMPTON, NJ 08088 | AFLAC | $6 | — | $6 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | P.O. BOX 335 SPARTA, NJ 07871 | AFLAC | $5 | — | $5 | 0.00% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 2643 120TH AVE ALLEGAN, MI 49010 | AFLAC | $5 | — | $5 | 0.00% |
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 | 1,261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST INC. | 1,299 | $10.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,758 | $418K |
| Vision(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST INC. | 1,096 | $10.0M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,261 | $663K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,261 | $663K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,261 | $450K |
| Prescription drug(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST INC. | 1,096 | $10.0M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,299 | $676K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,758 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.