| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 122112396 | UNITEDHEALTHCARE INSURANCE COMPANY | $155K | $0 | $155K | 4.00% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $66 | $0 | $66 | 1.93% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $53 | $0 | $53 | 1.55% |
| BRANDY T SHARROCK3 | 77 BARNEGAT RD HEWITT, NJ 07421 | AFLAC | $34 | $0 | $34 | 0.99% |
| GINA M PURAZZO3 Filed as: GINA PURAZZO | 1 BETHANY RD STE 98 HAZLET, NJ 07730 | AFLAC | $29 | $0 | $29 | 0.85% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $19 | $0 | $19 | 0.56% |
| PURAZZO INSURANCE SERVICES, INC.3 Filed as: PURAZZO INSURANCE SERVICES INC | 1 BETHANY RD STE 98 HAZLET, NJ 07730 | AFLAC | $18 | $0 | $18 | 0.53% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $15 | $0 | $15 | 0.44% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $13 | $0 | $13 | 0.38% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER LYONS | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $12 | $0 | $12 | 0.35% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $11 | $0 | $11 | 0.32% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $8 | $0 | $8 | 0.23% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $7 | $0 | $7 | 0.20% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $6 | $0 | $6 | 0.18% |
| GINA M PURAZZO3 | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $5 | $0 | $5 | 0.15% |
| ALBERT SHUST3 Filed as: ALBERT SHUSI | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $1 | $0 | $1 | 0.03% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $1 | $0 | $1 | 0.03% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $23 | $0 | $23 | 2.37% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $17 | $0 | $17 | 1.75% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $11 | $0 | $11 | 1.13% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $11 | $0 | $11 | 1.13% |
| BRANDY T SHARROCK3 | 77 BARNEGAT RD HEWITT, NJ 07421 | AFLAC | $9 | $0 | $9 | 0.93% |
| GINA M PURAZZO3 Filed as: GINA PURAZZO | 1 BETHANY RD STE 98 HAZLET, NJ 07730 | AFLAC | $5 | $0 | $5 | 0.52% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $3 | $0 | $3 | 0.31% |
| MICHAEL P ZILINSKI3 | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $2 | $0 | $2 | 0.21% |
| ALBERT SHUST3 Filed as: ALBERT SHUSI | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | $0 | $2 | 0.21% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $2 | $0 | $2 | 0.21% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $2 | $0 | $2 | 0.21% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $1 | $0 | $1 | 0.10% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $1 | $0 | $1 | 0.10% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 155 | $3.9M |
| Short-term disability(2 contracts) | AFLAC | 3 | $4K |
| Long-term disability | AFLAC | 3 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.