| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANA BONANNO3 | C/O MID ATLANTIC BENEFIT STRATEGIES 1800 ROUTE 34 WALL, NJ 07719 | OXFORD HEALTH INSURANCE,INC | $50K | — | $50K | 2.71% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 Filed as: MID ATLANTIC BENE STRATS, LLC | SUITE 201 1800 ROUTE 34 BUILDING 2 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 12.00% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFIT STRATEGIE | — | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 5.39% |
| JAMES T MOORE3 | 1709 HOLBROOK STREET OAKHURST, NJ 07755 | AFLAC | $2K | $77 | $2K | 4.92% |
| SEAN MCDONOUGH3 | 1204 LOGAN ROAD OCEAN, NJ 07712 | AFLAC | $1K | $104 | $1K | 2.62% |
| KELLIE MOORE3 | 433 HARNELL AVENUE OAKHURST, NJ 07755 | AFLAC | $505 | $88 | $593 | 1.29% |
| CHRISTOPHER J BURRIS3 | 377 VAN DYKE PLACE BAYVILLE, NJ 08721 | AFLAC | $423 | $80 | $503 | 1.09% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD SUITE 12B LINWOOD, NJ 08221 | AFLAC | $310 | — | $310 | 0.67% |
| KYLE NORMAN3 | 426 HARNELL AVENUE OAKHURST, NJ 07755 | AFLAC | $166 | $60 | $226 | 0.49% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIEDLER | 8 SEWARD DRIVE OCEAN, NJ 07712 | AFLAC | $201 | $14 | $215 | 0.47% |
| MITCHELL N HNATT3 | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $188 | — | $188 | 0.41% |
| RICHARD DEGENNARO3 | 662 BROOKSIDE DRIVE BELFORD, NJ 07718 | AFLAC | $172 | — | $172 | 0.37% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 SUITE 3B WALL, NJ 07719 | AFLAC | $132 | — | $132 | 0.29% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 | 1800 STATE ROUTE 34 BUILDING 2 WALL, NJ 07719 | AFLAC | $75 | — | $75 | 0.16% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE APARTMENT 902 HOBOKEN, NJ 07030 | AFLAC | $70 | — | $70 | 0.15% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $61 | — | $61 | 0.13% |
| HEIDI JUDD3 Filed as: HEIDI J CARD | 85 GREENWOOD ROAD MORGANVILLE, NJ 07751 | AFLAC | $57 | — | $57 | 0.12% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $53 | — | $53 | 0.12% |
| JOHN A SAVAGE3 Filed as: JOHN SAVAGE | 308 ALPIN TRAIL NEPTUNE, NJ 07753 | AFLAC | $45 | — | $45 | 0.10% |
| STEVEN WILLIAM BEINHORN3 | 81 STEHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $35 | — | $35 | 0.08% |
| JAMES HOFFMAN3 Filed as: JAMES R HOFFMAN | 4 OXFORD ROAD SUITE F9 MILFORD, CT 06460 | AFLAC | $32 | — | $32 | 0.07% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $20 | — | $20 | 0.04% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 SUITE 3B WALL, NJ 07719 | AFLAC | $19 | — | $19 | 0.04% |
| REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $14 | — | $14 | 0.03% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 1 SEAPORT PLAZA 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $13 | — | $13 | 0.03% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $13 | — | $13 | 0.03% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E LUBESKY | 80 JOHN STREET 11C NEW YORK, NY 10038 | AFLAC | $12 | — | $12 | 0.03% |
| VIRGINIA HNATT3 | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $11 | — | $11 | 0.02% |
| MAXINE E AMDUR3 | 3 SCOTT LANE MANALAPAN, NJ 07726 | AFLAC | $10 | — | $10 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $8 | — | $8 | 0.02% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET APARTMENT 11C NEW YORK, NY 10038 | AFLAC | $7 | — | $7 | 0.02% |
| GAIL R BERGER3 | 118 TOWER HILL DRIVE RED BANK, NJ 07701 | AFLAC | $6 | — | $6 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIEDLER | 910 DARLENE AVENUE OCEAN, NJ 07712 | AFLAC | $6 | — | $6 | 0.01% |
| GIULIO A PADOVANI3 | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $6 | — | $6 | 0.01% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $5 | — | $5 | 0.01% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $5 | — | $5 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DRIVE SPARTA, NJ 07871 | AFLAC | $5 | — | $5 | 0.01% |
| AMY K FOY3 | 804 MCCOY ROAD FRANKLIN LAKES, NJ 07417 | AFLAC | $3 | — | $3 | 0.01% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RODGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $1 | — | $1 | 0.00% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $1 | — | $1 | 0.00% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY MCDERMOTT3 | 630 BOULEVARD SUITE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $1 | — | $1 | 0.00% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 | 1800 STATE ROUTE 34 SUITE 201 WALL TOWNSHIP, NJ 07719 | VISION SERVICE PLAN | $1K | — | $1K | 5.76% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE,INC | 284 | $1.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 131 | $102K |
| Vision | VISION SERVICE PLAN | 105 | $18K |
| Short-term disability | AFLAC | 94 | $46K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 191 | $111K |
| Other | AFLAC | 94 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.