| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $49K | $10K | $59K | 5.90% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $8K | $2K | $10K | 5.62% |
| VAN DYK FINANCIAL SERVICES LLC3 Filed as: VAN DYK FINANCIAL SERVICES, LLC | 500 BARNEGAT BLVD N SUITE 300 BARNEGAT, NJ 080052233 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 7.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 5.00% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $3K | — | $3K | 11.97% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $2K | — | $2K | 8.12% |
| BRIAN M DENOIA3 | 1312 BARTON AVE POINT PLEASANT BORO, NJ 08742 | AFLAC | $1K | — | $1K | 5.12% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $865 | — | $865 | 3.29% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $99 | — | $99 | 0.38% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $68 | — | $68 | 0.26% |
| LISA CAPOZZI3 | 992 MANTUA PIKE STE 107 WOODBURY HEIGHTS, NJ 08097 | AFLAC | $63 | — | $63 | 0.24% |
| MICHAEL HENSH3 | 64 KERRY LYNN CT WILLIAMSTOWN, NJ 08094 | AFLAC | $17 | — | $17 | 0.06% |
| RICHARD DEGENNARO3 | 662 BROOKSIDE DR BELFORD, NJ 07718 | AFLAC | $13 | — | $13 | 0.05% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE STE 3B INTERLAKEN, NJ 07712 | AFLAC | $7 | — | $7 | 0.03% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $3K | $99 | $3K | 11.09% |
| BRIAN M DENOIA3 Filed as: BRIAN D DENOIA | 1312 BARTON AVE POINT PLEASANT BORO, NJ 08742 | AFLAC | $504 | $18 | $522 | 2.11% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $328 | $18 | $346 | 1.40% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $181 | — | $181 | 0.73% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $62 | — | $62 | 0.25% |
| LISA CAPOZZI3 | 992 MANTUA PIKE STE 107 WOODBURY HEIGHTS, NJ 08097 | AFLAC | $45 | — | $45 | 0.18% |
| VAN DYK FINANCIAL SERVICES LLC3 Filed as: VAN DYK FINANCIAL SERVICES, LLC | 500 BARNEGAT BLVD N STE 300 BARNEGAT, NJ 080052233 | VISION SERVICE PLAN | $1K | — | $1K | 5.06% |
| VAN DYK FINANCIAL SERVICES LLC3 | 500 BARNEGAT BLVD N STE 300 BARNEGAT, NJ 080052233 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.54% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 117883914 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.45% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 101 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 141 | $34K |
| Vision | VISION SERVICE PLAN | 136 | $22K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $21K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 160 | $72K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $21K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 67 | $175K |
| Other(3 contracts, 2 carriers) | AFLAC | 160 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.