| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: MARTIN INSURANCE GROUP (2) | 259 PROSPECT PLAINS RD BLDG F, STE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $49K | $14K | $63K | 4.40% |
| INSGROUP INC3 Filed as: MARTIN INSURANCE GROUP (2) | 259 PROSPECT PLAINS RD BLDG F, STE 110 CRANBURY, NJ 085123706 | HORIZON HEALTHCARE SERVICES, INC. | $4K | $4K | $8K | 9.72% |
| TRUPIANO & ASSOCIATES LLC3 | 86 S RIVERWALK DR PALM COAST, FL 32137 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $942 | $3K | $3K | 9.94% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS RD BLDG F, SUITE 110 CRANBURY, NJ 085123706 | USABLE LIFE | $5K | — | $5K | 19.61% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 7.55% |
| TRUPIANO & ASSOCIATES LLC3 | 86 S RIVERWALK DR PALM COAST, FL 321371320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 17.59% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $761 | $466 | $1K | 5.66% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $436 | $436 | 2.01% |
| INSGROUP INC3 Filed as: MARTIN INSURANCE GROUP (2) | 259 PROSPECT PLAINS RD BLDG F STE 110 CRANBURY, NJ 085123706 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MITCHELL N HNATT3 | 837 SOUTH DR BRICK, NJ 08724 | AFLAC | $456 | — | $456 | 4.66% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $117 | — | $117 | 1.20% |
| VIRGINIA HNATT3 | 837 SOUTH DR BRICK, NJ 08724 | AFLAC | $69 | — | $69 | 0.71% |
| MARK B STRICKLER3 | PO BOX 5182 UVALDE, TX 78802 | AFLAC | $56 | — | $56 | 0.57% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $51 | — | $51 | 0.52% |
| GARY WAYNE HELTON3 | PO BOX 114 NEW CUMBERLAND, WV 26047 | AFLAC | $43 | — | $43 | 0.44% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $30 | — | $30 | 0.31% |
| SHANE F LAMAY3 | 2325 TANGERINE DR SARASOTA, FL 34239 | AFLAC | $23 | — | $23 | 0.24% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $17 | — | $17 | 0.17% |
| ERIC D WESTALL3 | 1207 TANGLE BRIAR DR SEABROOK, TX 77586 | AFLAC | $13 | — | $13 | 0.13% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $12 | — | $12 | 0.12% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NY 08234 | AFLAC | $11 | — | $11 | 0.11% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $10 | — | $10 | 0.10% |
| STEPHEN P MASSI3 | 714 CRANFIELD CT KATY, TX 77460 | AFLAC | $10 | — | $10 | 0.10% |
| PAMELA G GIORDANO3 | 10614 56TH ST E PARRISH, FL 34219 | AFLAC | $6 | — | $6 | 0.06% |
| MARY REBECCA WEATHERLY3 | 273 WILLIAMSBURG DR MT WASHINGTON, KY 40047 | AFLAC | $4 | — | $4 | 0.04% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $2 | — | $2 | 0.02% |
| JENNIFER B MOREHEAD3 | 26267 WALKING HOURSE TRL BROOKSVILLE, FL 34601 | AFLAC | $0 | — | $0 | 0.00% |
| TRUPIANO & ASSOCIATES LLC3 | 86 S RIVERWALK DR PALM COAST, FL 321371320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $547 | — | $547 | 11.07% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $147 | $376 | $523 | 10.58% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $300 | $300 | — |
| TRUPIANO & ASSOCIATES LLC3 | 86 S RIVERWALK DR PALM COAST, FL 321371320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $148 | — | $148 | — |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$253 | $400 | $147 | — |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 87 | $1.4M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 101 | $92K |
| Vision | HORIZON INSURANCE COMPANY | 101 | $14K |
| Life insurance(3 contracts, 3 carriers) | USABLE LIFE | 111 | $37K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $22K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 87 | $1.4M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 111 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.