| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIO VALORI3 | 605 MARLTON PIKE W STE 1 CHERRY HILL, NJ 08002 | AFLAC | $679 | $334 | $1K | 9.31% |
| TWO RIVER BENEFITS CONSULTANTS LLC3 | 818 SHREWSBURY AVE 2ND FL TINTON FALLS, NJ 07724 | AFLAC | $789 | — | $789 | 7.25% |
| DALE ARTHUR LOVELLE3 | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $219 | $106 | $325 | 2.99% |
| MATTHEW T OHANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $230 | $73 | $303 | 2.79% |
| TEKCARE NJ LLC3 | 818 SHREWSBURY AVE TINTON FALLS, NJ 07724 | AFLAC | $74 | — | $74 | 0.68% |
| TWO RIVER BENEFITS CONSULTANTS LLC3 | 818 SHREWSBURY AVE TINTON FALLS, NJ 07724 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $588 | — | $588 | 10.00% |
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 | 848 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 16 | $11K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 84 | $17K |
| Other(2 contracts, 2 carriers) | AFLAC | 84 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84 | — |
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."
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.