| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN DYK FINANCIAL SERVICES LLC3 | 500 BARNEGAT BLVD N BARNEGAT, NJ 08005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $23K | $23K | 3.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $15K | $15K | 2.00% |
| PHYLLIS SEGALL3 | 8612 VALHALLA DR DERAY BEACH, FL 33446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $15K | $15K | 2.00% |
| PHYLLIS SEGALL3 | 506 BOWNE RD WAYSIDE, NJ 07712 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | — | $0 | 0.00% |
| VAN DYK FINANCIAL SERVICES LLC3 Filed as: VAN DYKE FINANCIAL SERVICES | 500 BARNEGAT BLVD N SUITE 300 BARNEGAT, NJ 08005 | DENTAL SERVICES ORGANIZATION LLC | $753 | — | $753 | 2.50% |
| VAN DYK FINANCIAL SERVICES LLC3 | 500 BARNEGAT BLVD N SUITE 300 BARNEGAT, NJ 080052233 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.57% |
| THE SEGAL COMPANY3 Filed as: PHYLLIS SEGAL | 8612 VALHALLA DR DERAY BEACH, FL 33446 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.57% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.92% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD ATP 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $794 | $0 | $794 | 4.53% |
| STEVEN L RICH3 | 3301 JESSICA CIR FREEHOLD, NJ 07728 | AFLAC | $545 | — | $545 | 3.11% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $269 | $0 | $269 | 1.53% |
| LISA CAPOZZI3 | 992 MANTUA PIKE STE 107 WOODBURY HEIGHTS, NJ 08097 | AFLAC | $125 | $0 | $125 | 0.71% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $105 | — | $105 | 0.60% |
| JASMINE GALLON3 | 6 PRICE LN SICKLERVILLE, NJ 08081 | AFLAC | $0 | — | $0 | 0.00% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $516 | $39 | $555 | 4.79% |
| STEVEN L RICH3 | 3301 JESSICA CIR FREEHOLD, NJ 07728 | AFLAC | $396 | — | $396 | 3.42% |
| JOHN T CAPOZZI3 | 242 WICHERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $182 | $9 | $191 | 1.65% |
| LISA CAPOZZI3 | 992 MANTUA PIKE STE 107 WOODBURY HEIGHTS, NJ 08097 | AFLAC | $136 | $8 | $144 | 1.24% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $121 | $7 | $128 | 1.11% |
| MICHAEL HENSH3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $4 | $1 | $5 | 0.04% |
| JASMINE GALLON3 | 6 PRICE LN SICKLERVILLE, NJ 08081 | AFLAC | $0 | — | $0 | 0.00% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 113 | $774K |
| Dental | DENTAL SERVICES ORGANIZATION LLC | 121 | $30K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $19K |
| Short-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $48K |
| Long-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $48K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
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.