| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $109K | $31K | $140K | 4.39% |
| DOUGLAS C. PETERSON3 Filed as: DOUGLAS C PETERSON | 598 RIVERWOOD AVENUE PT PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.87% |
| GREGORY WIESMORE3 | 46 FAWN HOLLOW LANE MULLICA HILL, NJ 08062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.08% |
| DAVID RISLEY3 | 2251 ROUTE 50 WOODBINE, NJ 08270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.86% |
| EFREN A. INFANTE3 Filed as: EFREN A INFANTE | 8 BELL CIRCLE MALVERN, PA 19355 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.83% |
| DAVID ROLLER3 | 80 DOLPHIN CIRCLE EAST BAYVILLE, NJ 08721 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.13% |
| JANE KULIKAUSKAS3 Filed as: JANE KULIKAUSKAS AND OTHER AGENTS | 3022 NESCO ROAD HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $951 | $0 | $951 | 0.57% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 Filed as: STRATEGIC VOLUNTARY BNFT SRVC INC | 8 PINE RIDGE DRIVE BRANCHBURG, NJ 08876 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $775 | $0 | $775 | 0.47% |
| STANLEY H ALLEN INC3 Filed as: STANLEY H. ALLEN | 630 SOUTH BREWSTER ROAD BUILDING C VINELAND, NJ 08361 | VISION SERVICE PLAN | $2K | $0 | $2K | 7.00% |
| STANLEY H ALLEN INC3 Filed as: STANLEY H. ALLEN, INC. | 630 SOUTH BREWSTER ROAD BUILDING C VINELAND, NJ 08361 | USABLE LIFE | $3K | $0 | $3K | 10.14% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $2K | $2K | 5.81% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GNRL AGNY LLC | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | USABLE LIFE | $536 | $0 | $536 | 2.04% |
| DAVID RISLEY3 | 2251 ROUTE 50 WOODBINE, NJ 08270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $461 | $0 | $461 | 3.60% |
| DOUGLAS C. PETERSON3 Filed as: DOUGLAS C PETERSON | 598 RIVERWOOD AVENUE PT PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $307 | $0 | $307 | 2.40% |
| GREGORY WIESMORE3 | 46 FAWN HOLLOW LANE MULLICA HILL, NJ 08062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $277 | $0 | $277 | 2.16% |
| EFREN A. INFANTE3 Filed as: EFREN A INFANTE | 8 BELL CIRCLE MALVERN, PA 19355 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | $0 | $261 | 2.04% |
| JANE KULIKAUSKAS3 | 3022 NESCO ROAD HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | $0 | $231 | 1.80% |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 306 | $3.2M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 306 | $3.2M |
| Vision | VISION SERVICE PLAN | 254 | $31K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 412 | $192K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 201 | $166K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 306 | $3.2M |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 412 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.