| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $0 | $25K | $25K | 3.28% |
| THE SEGAL COMPANY3 Filed as: PHYLLIS B SEGALL | 8612 VALHALLA DRIVE DERAY BEACH, FL 33446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $17K | $17K | 2.19% |
| 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 | $15K | $15K | 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 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 | $1K | — | $1K | 4.20% |
| SEGALL, PHYLLIS3 | 8612 VALHALLA DRIVE DELRAY BEACH, FL 33446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $749 | — | $749 | 2.80% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $2K | $329 | $3K | 10.53% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $878 | $120 | $998 | 4.03% |
| BRIAN M DENOIA3 | 1312 BARTON AVE POINT PLEASANT BORO, NJ 08742 | AFLAC | $737 | $102 | $839 | 3.38% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $489 | $102 | $591 | 2.38% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $138 | — | $138 | 0.56% |
| STEVEN L RICH3 | 16 CORAL BELL HOLW TOMS RIVER, NJ 08755 | AFLAC | $115 | — | $115 | 0.46% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $93 | — | $93 | 0.38% |
| LISA CAPOZZI3 | 992 MANTUA PIKE STE 107 WOODBURY HEIGHTS, NJ 08097 | AFLAC | $85 | — | $85 | 0.34% |
| MICHAEL HENSH3 | 64 KERRY LYNN CT WILLIAMSTOWN, NJ 08094 | AFLAC | $20 | — | $20 | 0.08% |
| RICHARD DEGENNARO3 | 662 BROOKSIDE DR BELFORD, NJ 07718 | AFLAC | $16 | — | $16 | 0.06% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE STE 3B INTERLAKEN, NJ 07712 | AFLAC | $8 | — | $8 | 0.03% |
| LACEY M AURIEMMA3 | 1200 DORSET DOCK RD APT 3B POINT PLEASANT BEACH, NJ 08742 | AFLAC | $2K | $65 | $2K | 7.90% |
| BRIAN M DENOIA3 Filed as: BRIAN D DENOIA | 1312 BARTON AVE POINT PLEASANT BORO, NJ 08742 | AFLAC | $327 | $15 | $342 | 1.48% |
| STEVEN L RICH3 | 16 CORAL BELL HOLW TOMS RIVER, NJ 08755 | AFLAC | $291 | — | $291 | 1.26% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $220 | — | $220 | 0.95% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $200 | $15 | $215 | 0.93% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $78 | — | $78 | 0.34% |
| LISA CAPOZZI3 | 992 MANTUA PIKE STE 107 WOODBURY HEIGHTS, NJ 08097 | AFLAC | $60 | — | $60 | 0.26% |
| VAN DYK FINANCIAL SERVICES LLC3 | 500 BARNEGAT BLVD N STE 300 BARNEGAT, NJ 080052233 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.49% |
| THE SEGAL COMPANY3 Filed as: PHYLLIS SEGAL | 8612 VALHALLA DR DERAY BEACH, FL 334469568 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.49% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 117883914 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.68% |
| 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 | 6.02% |
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 | 143 | 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) | 143 | 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 | 119 | $818K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 121 | $27K |
| Vision | VISION SERVICE PLAN | 114 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 146 | $20K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 146 | $68K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 146 | $20K |
| Other(3 contracts, 2 carriers) | AFLAC | 146 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.