| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID ATLANTIC BENEFIT STRATEGIES LLC3 Filed as: MID ATLANTIC BENEFIT STRATEGIES | 1800 ROUTE 34 WALL, NJ 07719 | HORIZON HEALTHCARE SERVICES, INC. | $89K | — | $89K | 3.45% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 Filed as: MID ATLANTIC BENEFIT STRATEGIES | 1800 ROUTE 34 WALL, NJ 07719 | HORIZON HEALTHCARE SERVICES, INC. | $15K | — | $15K | 3.34% |
| 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 | $17K | $696 | $18K | 11.51% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 | 1800 ROUTE 34, BUILDING 2 SUITE 201 WALL, NJ 07719 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | — | $5K | 3.99% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 SUITE 3B WALL, NJ 07719 | AFLAC | $3K | $246 | $3K | 3.97% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 | 1800 STATE ROUTE 34 BUILDING 2 WALL, NJ 07719 | AFLAC | $3K | — | $3K | 3.17% |
| THOMAS BRZEZINSKI3 Filed as: THOMAS PATRICK GRANT | 111 CASTLEWOOD TRAIL SPARTA, NJ 07871 | AFLAC | $3K | — | $3K | 3.10% |
| JAMES T MOORE3 | 1709 HOLBROOK STREET OAKHURST, NJ 07755 | AFLAC | $2K | — | $2K | 2.40% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $1K | $119 | $1K | 1.48% |
| KENNETH S VAUGHAN3 | 51 BROAD STREET MANASQUAN, NJ 08736 | AFLAC | $250 | $233 | $483 | 0.55% |
| CHRISTOPHER J BURRIS3 | 377 VAN DYKE PLACE BAYVILLE, NV 08721 | AFLAC | $373 | $15 | $388 | 0.44% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $320 | — | $320 | 0.37% |
| RICHARD DEGENNARO3 | 662 BROOKSIDE DRIVE BELFORD, NJ 07718 | AFLAC | $215 | — | $215 | 0.25% |
| KELLIE MOORE3 | 433 HARNELL AVENUE OAKHURST, NJ 07755 | AFLAC | $170 | $43 | $213 | 0.24% |
| MELISSA WAH3 | 1 PARKER PASS COLTS NECK, NE 07722 | AFLAC | $47 | $149 | $196 | 0.22% |
| ROY NICHOLS3 | PO BOX 178 BAYVILLE, NJ 08721 | AFLAC | $178 | $9 | $187 | 0.21% |
| EDWARD J MOORE3 | 9 CAPE CODE AVENUE BARNEGAT, NJ 08005 | AFLAC | $159 | $25 | $184 | 0.21% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIEDLER | 8 SEWARD DRIVE OCEAN, NJ 07712 | AFLAC | $129 | $9 | $138 | 0.16% |
| JESSICA MOST3 | 377 VAN DYKE PLACE BAYVILLE, NJ 08721 | AFLAC | $130 | $2 | $132 | 0.15% |
| MITCHELL N HNATT3 | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $130 | — | $130 | 0.15% |
| SEAN MCDONOUGH3 | 1204 LOCAN ROAD OCEAN, NJ 07712 | AFLAC | $113 | — | $113 | 0.13% |
| ROSE M SUDANO3 | 74 KNOX LANE MANALAPAN, NJ 07726 | AFLAC | $82 | $27 | $109 | 0.12% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE APARTMENT 902 HOBOKEN, NJ 07030 | AFLAC | $66 | — | $66 | 0.08% |
| HEIDI JUDD3 Filed as: HEIDI J CARD | 85 GREENWOOD ROAD MORGANVILLE, NJ 07751 | AFLAC | $60 | — | $60 | 0.07% |
| JOHN A SAVAGE3 Filed as: JOHN SAVAGE | 100 MCMULLEN AVENUE UNIT 1177 NEW CASTLE, DE 19720 | AFLAC | $54 | — | $54 | 0.06% |
| NICHOLAS MIRANDI3 | 1778 WOODSIDE ROAD FORKED RIVER, NJ 08731 | AFLAC | $49 | $5 | $54 | 0.06% |
| STEVEN WILLIAM BEINHORN3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $52 | — | $52 | 0.06% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $46 | — | $46 | 0.05% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET APARTMENT 11C NEW YORK, NY 10038 | AFLAC | $29 | — | $29 | 0.03% |
| JAMES HOFFMAN3 Filed as: JAMES R HOFFMAN | 15990 RIVERPOINTE DRIVE CHARLOTTE, NC 28278 | AFLAC | $27 | — | $27 | 0.03% |
| 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 | 0.02% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $13 | — | $13 | 0.01% |
| MAXINE E AMDUR3 | 3 SCOTT LANE MANALAPAN, NJ 07726 | AFLAC | $12 | — | $12 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $11 | — | $11 | 0.01% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $10 | — | $10 | 0.01% |
| VIRGINIA HNATT3 | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $9 | — | $9 | 0.01% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 19 MARKWOOD ROAD 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 COUART BASKING RIDGE, NJ 07920 | AFLAC | $5 | — | $5 | 0.01% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LANE MT ARLINGTON, NJ 07856 | AFLAC | $4 | — | $4 | 0.00% |
| 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 10514 | 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 B WALL, NJ 07719 | AFLAC | $2 | — | $2 | 0.00% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | 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 | 5.36% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 170 | $2.6M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 143 | $116K |
| Vision | VISION SERVICE PLAN | 127 | $21K |
| Short-term disability | AFLAC | 96 | $87K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 240 | $158K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 170 | $460K |
| Other | AFLAC | 96 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.