Planned Parenthood of Northern, Central and Southern New Jersey
Updated Filing received by DOL
Planned Parenthood of Northern, Central and Southern New Jersey, a healthcare & social assistance employer in Morristown, New Jersey, reported 186 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 7 insurance contracts with no premium reported and $17,654 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on October 15, 2025, within the extension window.
Who was paid on Planned Parenthood of Northern, Central and Southern New Jersey's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Planned Parenthood of Northern, Central and Southern New Jersey filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Desarno Benefits LLC · Interlaken, NJ | $4,606 | $366 | $4,972 | 1 |
| Corporate Synergies · Camden, NJ | $3,565 | $0 | $3,565 | 2 |
| Rose M Sudano · Manalapan, NJ | $2,230 | $240 | $2,470 | 2 |
| Rachael Ferrante · Sewell, NJ | $1,860 | $0 | $1,860 | 2 |
| Horizon Insurance Company · Newark, NJ | $0 | $1,787 | $1,787 | 1 |
| Michael J Desarno · Wall, NJ | $1,613 | $159 | $1,772 | 2 |
| Ann Marie Ryan · Milford, NJ | $279 | $136 | $415 | 1 |
| John T Capozzi · Middletown, DE | $260 | $0 | $260 | 2 |
| Gallagher · Salt Lake City, UT | $182 | $0 | $182 | 1 |
| Advanben Midatlantic, LLC · Bala Cynwyd, PA | $157 | $0 | $157 | 1 |
| Barbara Hawes · Brielle, NJ | $9 | $0 | $9 | 1 |
| Rachael T Ferrante · Howell, NJ | $9 | $0 | $9 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Aetna Life Insurance Co.vision | 218 | — | $1,367 | — |
| Aflaclife, short-term disability | 67 | — | $11,484 | — |
| Countrywide Enterprises, Inccoverage not coded | 23 | — | $196 | — |
| Health Advocate Solutions Inc.coverage not coded | 151 | — | — | — |
| Transamerica Life Insurance Companylife | 168 | — | $622 | — |
| Usable Lifelife | 168 | — | $3,985 | — |
| Optum Healthcoverage not coded | 134 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Planned Parenthood of Northern, Central and Southern New Jersey compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 156 | 186 | +19.2% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $96,878 | $17,654 | −81.8% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Planned Parenthood of Northern, Central and Southern New Jersey Health and Welfare Benefit Plan#501 · insurance, general assets | December 31, 2024 | October 15, 2025 | within extension | 186 |
| Planned Parenthood of Northern, Central and Southern New Jersey Medical Plan#502 · amended · insurance, trust | December 31, 2024 | February 23, 2026 | amended filing; original date not in data | 127 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Planned Parenthood of Northern, Central and Southern New Jersey pay in health insurance broker commissions in 2024?
Planned Parenthood of Northern, Central and Southern New Jersey's 2024 Form 5500 reports $17,654 in broker commissions and fees across 7 insurance contracts ($14,966 in commissions, $2,688 in fees), with Desarno Benefits LLC receiving the largest share.
Is Planned Parenthood of Northern, Central and Southern New Jersey's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Planned Parenthood of Northern, Central and Southern New Jersey's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Planned Parenthood of Northern, Central and Southern New Jersey because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.