| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS C. PETERSON3 | 598 RIVERWOOD AVENUE POINT PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.40% |
| GREG WIESMORE3 | 46 FAWN HOLLOW LANE MULLICA HILL, NJ 08062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.92% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 Filed as: STRATEGIC VOL. BEN. SERVICES, INC. | 8 PINE RIDGE DRIVE BRANCHBURG, NJ 08876 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.86% |
| DAVID RISLEY3 | 526 SEA ISLE BOULEVARD OCEAN VIEW, NJ 08230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.79% |
| EFREN A. INFANTE3 | 8 BELL CIRCLE MALVERN, PA 19355 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.86% |
| VINCENT J ROWAN3 Filed as: VINCENT J. ROWAN | 4447 EAST THOMPSON STREET PHILADELPHIA, PA 19137 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.61% |
| MJ INSURANCE3 Filed as: JUAN MORENO AND VARIOUS AGENTS | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.03% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES LLC | 609 NEW ROAD, SUITE D LINWOOD, NJ 08221 | VISION SERVICE PLAN | $1K | $0 | $1K | 7.00% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES LLC | 609 NEW ROAD, SUITE D LINWOOD, NJ 08221 | USABLE LIFE | $2K | $0 | $2K | 13.93% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | USABLE LIFE | $0 | $899 | $899 | 6.92% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 210 | $0 |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 210 | $0 |
| Vision | VISION SERVICE PLAN | 200 | $18K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 210 | $113K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 116 | $100K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 210 | $0 |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 210 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.