| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN DYK FINANCIAL SERVICES LLC3 | 500 BARNEGAT BLVD N SUITE 300 BARNEGAT, NJ 080052233 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $24K | $24K | 2.75% |
| 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 | $18K | $18K | 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 | 1.84% |
| 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 | $1K | $1K | 5.00% |
| 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 | $928 | — | $928 | 4.20% |
| SEGALL, PHYLLIS3 | 8612 VALHALLA DRIVE DELRAY BEACH, FL 33446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $619 | — | $619 | 2.80% |
| VAN DYK FINANCIAL SERVICES LLC3 | 500 BARNEGAT BLVD N STE 300 BARNEGAT, NJ 080052233 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.27% |
| THE SEGAL COMPANY3 Filed as: PHYLLIS SEGAL | 8612 VALHALLA DR DERAY BEACH, FL 334469568 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.26% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 117883914 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.48% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $1K | $28 | $1K | 8.33% |
| STEVEN L RICH3 | 16 CORAL BELL HOLW TOMS RIVER, NJ 08755 | AFLAC | $338 | — | $338 | 1.90% |
| BRIAN M DENOIA3 Filed as: BRIAN D DENOIA | 1312 BARTON AVE POINT PLEASANT BORO, NJ 08742 | AFLAC | $212 | $6 | $218 | 1.22% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $196 | — | $196 | 1.10% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $139 | $6 | $145 | 0.81% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $68 | — | $68 | 0.38% |
| LISA CAPOZZI3 | 992 MANTUA PIKE STE 107 WOODBURY HEIGHTS, NJ 08097 | AFLAC | $61 | — | $61 | 0.34% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $2K | — | $2K | 14.49% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $763 | — | $763 | 4.74% |
| BRIAN M DENOIA3 | 1312 BARTON AVE POINT PLEASANT BORO, NJ 08742 | AFLAC | $540 | — | $540 | 3.35% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $396 | — | $396 | 2.46% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $183 | — | $183 | 1.14% |
| STEVEN L RICH3 | 16 CORAL BELL HOLW TOMS RIVER, NJ 08755 | AFLAC | $138 | — | $138 | 0.86% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $84 | — | $84 | 0.52% |
| LISA CAPOZZI3 | 992 MANTUA PIKE STE 107 WOODBURY HEIGHTS, NJ 08097 | AFLAC | $71 | — | $71 | 0.44% |
| MICHAEL HENSH3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $24 | — | $24 | 0.15% |
| RICHARD DEGENNARO3 | 662 BROOKSIDE DR BELFORD, NJ 07718 | AFLAC | $20 | — | $20 | 0.12% |
| DESARNO BENEFITS LLC3 | 1901 STATE ROUTE 71 STE 3B WALL, NJ 07719 | AFLAC | $13 | — | $13 | 0.08% |
| VAN DYK FINANCIAL SERVICES LLC3 Filed as: VAN DYK FINANCIAL SERVICES, LLC | 500 BARNEGAT BLVD N STE 300 BARNEGAT, NJ 080052233 | VISION SERVICE PLAN | $859 | — | $859 | 6.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | 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 | 114 | $919K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 96 | $22K |
| Vision | VISION SERVICE PLAN | 89 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $21K |
| Short-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $55K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $21K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.