| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIO VALORI3 | 3245 EGLANTINE DRIVE VINELAND, NJ 08360 | AFLAC | $327 | $0 | $327 | 3.16% |
| TWO RIVER BENEFITS CONSULTANTS LLC3 | 818 SHREWSBURY AVE 2ND FLOOR TINTON FALLS, NJ 07724 | AFLAC | $284 | $0 | $284 | 2.74% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 529 FAYETTE ST STE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $140 | $0 | $140 | 1.35% |
| DALE ARTHUR LOVELLE3 | 214 LAKE TREE RD GAFFNEY, SC 29340 | AFLAC | $81 | $0 | $81 | 0.78% |
| TEKCARE NJ LLC3 | 818 SHREWSBURY AVE TINTON FALLS, NJ 07724 | AFLAC | $0 | — | $0 | 0.00% |
| TWO RIVER BENEFITS CONSULTANTS LLC3 | 818 SHREWSBURY AVE TINTON FALLS, NJ 07724 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $542 | — | $542 | 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 | 1,416 | 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) | 1,416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 13 | $10K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 81 | $16K |
| Other(2 contracts, 2 carriers) | AFLAC | 81 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 81 | — |
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.