| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | OXFORD HEALTH INSURANCE, INC. | $50K | — | $50K | 3.08% |
| BRANDY T SHARROCK3 Filed as: BRANDY SHARROCK | 77 BARNEGAT RD. HEWITT, NJ 07421 | AFLAC | $223 | — | $223 | 7.43% |
| MICHAEL P ZORN3 Filed as: MICHAEL ZORN | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $110 | — | $110 | 3.66% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD. SPARTA, NJ 07871 | AFLAC | $97 | — | $97 | 3.23% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 30 PARSLER PL. FORDS, NJ 08863 | AFLAC | $65 | — | $65 | 2.16% |
| GREGORY P TARRIS3 Filed as: GREGORY TARRIS | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $32 | — | $32 | 1.07% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 STE. H119 FAIRFIELD, NJ 07004 | AFLAC | $31 | — | $31 | 1.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 23 MORGAN DR. SPARTA, NJ 07871 | AFLAC | $21 | — | $21 | 0.70% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE. STE. 105 PISCATAWAY, NJ 08854 | AFLAC | $5 | — | $5 | 0.17% |
| GIULIO A PADOVANI3 Filed as: GIULIO PADOVANI | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $2 | — | $2 | 0.07% |
| TIMOTHY MCDERMOTT3 | 19 GREENBROOK DR. BLOOMFIELD, NJ 07003 | AFLAC | $1 | — | $1 | 0.03% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $1 | — | $1 | 0.03% |
| MICHAEL P ZORN3 Filed as: MICHAEL ZORN | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $56 | — | $56 | 2.96% |
| GREGORY P TARRIS3 Filed as: GREGORY TARRIS | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $29 | — | $29 | 1.54% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD. SPARTA, NJ 07871 | AFLAC | $29 | — | $29 | 1.54% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 STE. H119 FAIRFIELD, NJ 07004 | AFLAC | $26 | — | $26 | 1.38% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE. STE. 105 PISCATAWAY, NJ 08854 | AFLAC | $5 | — | $5 | 0.26% |
| GIULIO A PADOVANI3 Filed as: GIULIO PADOVANI | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $2 | — | $2 | 0.11% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $1 | — | $1 | 0.05% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 171 | $1.6M |
| Short-term disability(2 contracts) | AFLAC | 5 | $5K |
| Long-term disability(2 contracts) | AFLAC | 5 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.