| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARLENE S DILLON3 Filed as: DARLENE S. DILLON | 120 WOODSIDE RD. LEXINGTON, SC 29072 | AFLAC | $977 | $83 | $1K | 2.91% |
| BONNIE J BORDEN3 Filed as: BONNIE J. BORDEN | 55 E. END AVE. CARNEYS POINT, NJ 08069 | AFLAC | $726 | $85 | $811 | 2.23% |
| ANNA REIS3 Filed as: ANNA M. REIS | 5505A ADELAIDE DR. MOUNT LAUREL, NJ 08054 | AFLAC | $278 | — | $278 | 0.76% |
| ALAN F. STEIN3 | 133 GREENSWARD LN CHERRY HILL, NJ 08002 | AFLAC | $253 | — | $253 | 0.69% |
| ROBERT C. BRENTARI3 | 2 PRINCESS RD. LAWRENCEVILLE, NJ 08648 | AFLAC | $197 | — | $197 | 0.54% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ JR. | 22 BROOK HOLLOW DR. SINKING SPRING, PA 19608 | AFLAC | $124 | — | $124 | 0.34% |
| PETER A CARDILLO3 | 9200 SW. 101ST LN. OCALA, FL 34481 | AFLAC | $119 | — | $119 | 0.33% |
| CAROLYN E MORRISON3 Filed as: CAROLYN E. MORRISON | 293 SHELL RD. CARNEYS POINT, NJ 08069 | AFLAC | $105 | — | $105 | 0.29% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW T. O'HANLON | 101 W. ELM ST. STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $80 | $21 | $101 | 0.28% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW T. O'HANLON | 101 W. ELM ST. STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $70 | $9 | $79 | 0.22% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 17 OAK LN. RANDOLPH, NJ 07869 | AFLAC | $63 | — | $63 | 0.17% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 FOSTER RD MOORESTOWN, NJ 08057 | AFLAC | $61 | — | $61 | 0.17% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AFLAC | $45 | — | $45 | 0.12% |
| RYAN SLATTERY3 | 69 E. END AVE. CARNEYS POINT, NJ 08069 | AFLAC | $34 | — | $34 | 0.09% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LN. NEW LONDON, NC 28127 | AFLAC | $31 | — | $31 | 0.09% |
| JOSE A SCHIENEMAN3 Filed as: JOSE A. SCHIENEMAN | 4515 S. MCCLINTOCK DR. STE 212 TEMPE, AZ 85282 | AFLAC | $27 | — | $27 | 0.07% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LN. EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $24 | — | $24 | 0.07% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE. JERSEY CITY, NJ 07307 | AFLAC | $19 | — | $19 | 0.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A. PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $16 | — | $16 | 0.04% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE. STE 105 PISCATAWAY, NJ 08854 | AFLAC | $14 | — | $14 | 0.04% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L. POPPERT | 1167 W. BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $6 | — | $6 | 0.02% |
| NANCY M ANDERSON3 Filed as: NANCY M. ANDERSON | 11 CEDAR CT. SOMERS POINT, NJ 08244 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 STE. H119 FAIRFIELD, NJ 07004 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN M LEYPOLDT3 Filed as: BRIAN M. LEYPOLDT | 67 ALLISON PL. EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $1 | — | $1 | 0.00% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $1 | — | $1 | 0.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | HARTFORD LIFE AND ACCIDENT | $199 | — | $199 | 15.00% |
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 | 2,135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 41 | $36K |
| Dental(6 contracts) | DELTA DENTAL OF PENNSYLVANIA | 2,910 | $1.1M |
| Vision(7 contracts) | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 1,185 | $262K |
| Life insurance(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,995 | $1.1M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 556 | $474K |
| Long-term disability(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,995 | $671K |
| Other(7 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,995 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,995 | — |
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.