| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN DYK FINANCIAL SERVICES LLC3 | 500 BARNEGAT BLVD N SUITE 300 BARNEGAT, NJ 08005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $25K | $25K | 3.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 2.00% |
| THE SEGAL COMPANY3 Filed as: PHYLLIS B SEGALL | 8612 VALHALLA DR DERAY BEACH, FL 33446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 2.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.63% |
| VAN DYK FINANCIAL SERVICES LLC3 Filed as: VAN DYK FINANCIAL SERVICES | 500 BARNEGAT BLVD N SUITE 300 BARNEGAT, NJ 08005 | DENTAL SERVICES ORGANIZATION, LLC | $731 | — | $731 | 2.50% |
| VAN DYK FINANCIAL SERVICES LLC3 | 500 BARNEGAT BLVD N STE 300 BARNEGAT, NJ 080052233 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.63% |
| THE SEGAL COMPANY3 Filed as: PHYLLIS SEGAL | 8612 VALHALLA DR DERAY BEACH, FL 334469568 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.63% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 117883914 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $954 | $954 | 5.55% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $689 | — | $689 | 4.02% |
| STEVEN L RICH3 | 3301 JESSICA CIR FREEHOLD, NJ 07728 | AFLAC | $396 | — | $396 | 2.31% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $229 | — | $229 | 1.34% |
| LISA CAPOZZI3 | 992 MANTUA PIKE STE 107 WOODBURY HEIGHTS, NJ 08097 | AFLAC | $81 | — | $81 | 0.47% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $80 | — | $80 | 0.47% |
| BRIAN M DENOIA3 Filed as: BRIAN D DENOIA | 1312 BARTON AVE POINT PLEASANT BORO, NJ 08742 | AFLAC | $10 | — | $10 | 0.06% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $7 | — | $7 | 0.04% |
| VAN DYK FINANCIAL SERVICES LLC3 | 500 BARNEGAT BLVD N STE 300 BARNEGAT, NJ 080052233 | VISION SERVICE PLAN | $882 | — | $882 | 6.44% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $610 | — | $610 | 5.33% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $222 | — | $222 | 1.94% |
| STEVEN L RICH3 | 3301 JESSICA CIR FREEHOLD, NJ 07728 | AFLAC | $219 | — | $219 | 1.91% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $130 | — | $130 | 1.14% |
| LISA CAPOZZI3 | 992 MANTUA PIKE STE 107 WOODBURY HEIGHTS, NJ 08097 | AFLAC | $93 | — | $93 | 0.81% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $41 | — | $41 | 0.36% |
| BRIAN M DENOIA3 | 1312 BARTON AVE POINT PLEASANT BORO, NJ 08742 | AFLAC | $39 | — | $39 | 0.34% |
| MICHAEL HENSH3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $22 | — | $22 | 0.19% |
| RICHARD DEGENNARO3 | 662 BROOKSIDE DR BELFORD, NJ 07718 | AFLAC | $18 | — | $18 | 0.16% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $13 | — | $13 | 0.11% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $852K |
| Dental | DENTAL SERVICES ORGANIZATION, LLC | 101 | $29K |
| Vision | VISION SERVICE PLAN | 72 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $17K |
| Short-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $46K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $17K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
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.