| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID ATLANTIC BENEFIT STRATEGIES LLC3 | 1800 ROUTE 34 BUILDING 2 SUITE 201 WALL, NJ 07719 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $96K | $96K | 4.98% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 Filed as: MID ATLANTIC BENE STRATS, LLC | 1800 ROUTE 34 BUILDING 2 SUITE 201 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 13.05% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 Filed as: MID ATLANTIC BENE STRATS, LLC | 1800 ROUTE 34 BUILDING 2 SUITE 201 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 12.00% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 Filed as: MID ATLANTIC BENEFIT STRATEGIES | — | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 4.62% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 SUITE 3B WALL, NJ 07719 | AFLAC | $5K | $113 | $5K | 6.55% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 | 1800 STATE ROUTE 34 BUILDING 2 WALL, NJ 07719 | AFLAC | $3K | — | $3K | 3.85% |
| JAMES T MOORE3 | 1709 HOLBROOK STREET OAKHURST, NJ 07755 | AFLAC | $2K | — | $2K | 3.20% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $1K | $19 | $1K | 1.49% |
| KENNETH S VAUGHAN3 Filed as: KENNETH S VAUGHN | 51 BROAD STREET MANASQUAN, NJ 08736 | AFLAC | $712 | $143 | $855 | 1.20% |
| KELLIE MOORE3 | 433 HARNELL AVENUE OAKHURST, NJ 07755 | AFLAC | $672 | $11 | $683 | 0.96% |
| MELISSA WAH3 | 1 PARKER PASS COLTS NECK, NJ 07722 | AFLAC | $506 | $3 | $509 | 0.71% |
| CHRISTOPHER J BURRIS3 | 377 VAN DYKE PLACE BAYVILLE, NJ 08721 | AFLAC | $391 | $17 | $408 | 0.57% |
| SEAN MCDONOUGH3 | 1204 LOGAN ROAD OCEAN, NJ 07712 | AFLAC | $171 | $75 | $246 | 0.34% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIEDLER | 8 SEWARD DRIVE OCEAN, NJ 07712 | AFLAC | $221 | $17 | $238 | 0.33% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $230 | — | $230 | 0.32% |
| RICHARD DEGENNARO3 | 662 BROOKSIDE DRIVE BELFORD, NJ 07718 | AFLAC | $213 | — | $213 | 0.30% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD SUITE 12B LINWOOD, NJ 08221 | AFLAC | $194 | — | $194 | 0.27% |
| MITCHELL N HNATT3 | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $140 | — | $140 | 0.20% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $139 | — | $139 | 0.19% |
| HEIDI JUDD3 Filed as: HEIDI J CARD | 85 GREENWOOD ROAD MORGANVILLE, NJ 07751 | AFLAC | $72 | — | $72 | 0.10% |
| KEVIN MURPHY3 Filed as: KEVIN LAROC | 24 HUCKLEBERRY LANE NEW EGYPT, NJ 08533 | AFLAC | $71 | — | $71 | 0.10% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE APARTMENT 902 HOBOKEN, NJ 07030 | AFLAC | $69 | — | $69 | 0.10% |
| STEVEM WILLIAM BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $52 | — | $52 | 0.07% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $47 | — | $47 | 0.07% |
| JOHN A SAVAGE3 Filed as: JOHN SAVAGE | 308 ALPINE TRAIL NEPTUNE, NJ 07753 | AFLAC | $45 | — | $45 | 0.06% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET APARTMENT 11C NEW YORK, NY 10038 | AFLAC | $29 | — | $29 | 0.04% |
| REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $22 | — | $22 | 0.03% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 401 EAST 80TH STREET APARTMENT 6J NEW YORK, NY 10075 | AFLAC | $20 | — | $20 | 0.03% |
| JAMES HOFFMAN3 Filed as: JAMES R HOFFMAN | 4 OXFORD ROAD SUITE F9 MILFORD, CT 06460 | AFLAC | $17 | — | $17 | 0.02% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $13 | — | $13 | 0.02% |
| MAXINE E AMDUR3 | 3 SCOTT LANE MANALAPAN, NJ 07726 | AFLAC | $12 | — | $12 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $11 | — | $11 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $10 | — | $10 | 0.01% |
| JAMES HOFFMAN3 Filed as: JAMES R HOFFMAN | 15900 RIVERPOINTE DRIVE CHARLOTTE, NC 28278 | AFLAC | $10 | — | $10 | 0.01% |
| VIRGINIA HNATT3 | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $9 | — | $9 | 0.01% |
| JOHN A SAVAGE3 Filed as: JOHN SAVAGE | 100 MCMULLEN AVENUE UNIT 1177 NEW CASTLE, DE 19720 | AFLAC | $9 | — | $9 | 0.01% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $8 | — | $8 | 0.01% |
| GAIL R BERGER3 | 118 TOWER HILL DRIVE RED BANK, NJ 07701 | AFLAC | $8 | — | $8 | 0.01% |
| GIULIO A PADOVANI3 | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $5 | — | $5 | 0.01% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $5 | — | $5 | 0.01% |
| AMY K FOY3 | 804 MCCOY ROAD FRANKLIN LAKES, NJ 07417 | AFLAC | $2 | — | $2 | 0.00% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $2 | — | $2 | 0.00% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $2 | — | $2 | 0.00% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 SUITE 3B WALL, NJ 07719 | AFLAC | $2 | — | $2 | 0.00% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 | 1800 STATE ROUTE 34 SUITE 201 WALL TOWNSHIP, NJ 07719 | VISION SERVICE PLAN | $1K | — | $1K | 5.38% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 Filed as: MID ATLANTIC BENEFIT STRATEGIES, LL | 1800 STATE ROUTE 34 SUITE 201 WALL TOWNSHIP, NJ 07719 | VISION SERVICE PLAN | $1K | — | $1K | 4.86% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $1.9M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 134 | $106K |
| Vision(2 contracts) | VISION SERVICE PLAN | 134 | $42K |
| Short-term disability | AFLAC | 102 | $71K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 218 | $264K |
| Other | AFLAC | 102 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.