| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASHLEY KIEHNER3 | 107 W CENTENNIAL DR MEDFORD, NJ 08055 | AFLAC | $23K | $4K | $27K | 8.94% |
| LINDA W OLGUIN3 Filed as: LINDA M DUNFEE | 1241 ALMONESSON RD DEPTFORD, NJ 08096 | AFLAC | $4K | $789 | $5K | 1.54% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $3K | $789 | $4K | 1.34% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 107 W CENTENNIAL DR MEDFORD, NJ 08055 | AFLAC | $3K | $295 | $3K | 1.15% |
| EDIANA MARTINEZ3 | 1611 TOMAHAWK CT VINELAND, NJ 08361 | AFLAC | $2K | — | $2K | 0.74% |
| ALISON YOUNG3 | 784 CARTERET CT MT. LAUREL, NJ 08054 | AFLAC | $1K | — | $1K | 0.35% |
| LISA CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $947 | — | $947 | 0.32% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $536 | — | $536 | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 10414 DES MOINES, IA 50306 | AFLAC | $444 | — | $444 | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | AFLAC | $359 | — | $359 | 0.12% |
| RICARDO OSEGUERA3 | 2217 PASADENA ST SANTA ANA, CA 92705 | AFLAC | $172 | $41 | $213 | 0.07% |
| MAGDALY SANTOS3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $146 | — | $146 | 0.05% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $94 | — | $94 | 0.03% |
| LISA CAPOZZI3 | 5608 BEACH HAVEN RD EAST NEW MARKET, MD 21631 | AFLAC | $69 | — | $69 | 0.02% |
| DANIEL TYLER ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $48 | $14 | $62 | 0.02% |
| AMANDA M MERKL3 | 1816 ROUTE 70 APT B SOUTHAMPTON, NJ 08088 | AFLAC | $52 | — | $52 | 0.02% |
| JANICE M ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $33 | $14 | $47 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $33 | — | $33 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $29 | — | $29 | 0.01% |
| AMANDA M MERKL3 | 331 PRESTON AVE APT 1402 VOORHEES, NJ 08043 | AFLAC | $17 | — | $17 | 0.01% |
| CHRISTOPHER CHIACHETTI3 | 203A MULBERRY CV MOUNT LAUREL, NJ 08054 | AFLAC | $7 | — | $7 | 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 | 1,240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST INC. | 1,248 | $9.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,760 | $406K |
| Vision(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST INC. | 977 | $9.3M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,240 | $740K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,240 | $740K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,240 | $443K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST INC. | 977 | $9.3M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,248 | $752K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,760 | — |
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.