| 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. | $74K | $110 | $74K | 3.69% |
| BRANDY T SHARROCK3 Filed as: BRANDY SHARROCK | 77 BARNEGAT RD. HEWITT, NJ 07421 | AFLAC | $235 | — | $235 | 7.32% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $85 | — | $85 | 2.65% |
| MICHAEL P ZORN3 | 179 S GLEN RD KINNELON, NJ 07405 | AFLAC | $56 | — | $56 | 1.75% |
| GINA M PURAZZO3 Filed as: GINA PURAZZO | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $42 | — | $42 | 1.31% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $22 | — | $22 | 0.69% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $19 | — | $19 | 0.59% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $19 | — | $19 | 0.59% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER J BURNS | 377 VAN DYKE PL BAYVILLE, NJ 08721 | AFLAC | $16 | — | $16 | 0.50% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 30 PARSLER PL FORDS, NJ 08863 | AFLAC | $13 | — | $13 | 0.41% |
| MICHAEL P ZILINSKI3 | 60 WALNUT AVE STE 190 CLARK, NJ 07066 | AFLAC | $11 | — | $11 | 0.34% |
| LENIN RODRIGUEZ3 | 430 CHESNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $7 | — | $7 | 0.22% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $3 | — | $3 | 0.09% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $3 | — | $3 | 0.09% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $1 | — | $1 | 0.03% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $1 | — | $1 | 0.03% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $242 | — | $242 | 8.22% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $221 | — | $221 | 7.51% |
| GINA M PURAZZO3 | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $61 | — | $61 | 2.07% |
| MICHAEL P ZORN3 | 179 S GLEN RD KINNELON, NJ 07405 | AFLAC | $46 | — | $46 | 1.56% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER J BURNS | 377 VAN DYKE PL BAYVILLE, NJ 08721 | AFLAC | $41 | — | $41 | 1.39% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $40 | — | $40 | 1.36% |
| JOHNATHAN TORRES3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $40 | — | $40 | 1.36% |
| GREGORY P TARRIS3 | 1030 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $24 | — | $24 | 0.82% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $22 | — | $22 | 0.75% |
| JONATHAN TORRES3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $14 | — | $14 | 0.48% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $4 | — | $4 | 0.14% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $3 | — | $3 | 0.10% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $1 | — | $1 | 0.03% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $1 | — | $1 | 0.03% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 239 | $2.0M |
| Short-term disability(2 contracts) | AFLAC | 3 | $6K |
| Long-term disability(2 contracts) | AFLAC | 3 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.