| 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. | $88K | — | $88K | 3.91% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $76 | $31 | $107 | 3.49% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $74 | $20 | $94 | 3.06% |
| MICHAEL P ZORN3 | 40 W FRANKLIN AVE #1 PEQUANNOCK, NJ 07440 | AFLAC | $46 | — | $46 | 1.50% |
| GINA M PURAZZO3 | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $32 | $6 | $38 | 1.24% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $21 | $4 | $25 | 0.81% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $24 | — | $24 | 0.78% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $22 | — | $22 | 0.72% |
| CHRISTOPHER J BURRIS3 | 377 VAN DYKE PL BAYVILLE, NJ 08721 | AFLAC | $16 | $6 | $22 | 0.72% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $4 | — | $4 | 0.13% |
| GIULIO A PADOVANI3 Filed as: GIULIO PADOVANI | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $3 | — | $3 | 0.10% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $1 | — | $1 | 0.03% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $1 | — | $1 | 0.03% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $1 | — | $1 | 0.03% |
| BRANDY T SHARROCK3 | 77 BARNEGAT RD HEWITT, NJ 07421 | AFLAC | $126 | $8 | $134 | 7.21% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $29 | $5 | $34 | 1.83% |
| MICHAEL P ZORN3 | 40 W FRANKLIN AVE #1 PEQUANNOCK, NJ 07440 | AFLAC | $32 | — | $32 | 1.72% |
| GINA M PURAZZO3 Filed as: GINA PURAZZO | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $27 | $2 | $29 | 1.56% |
| CHRISTOPHER J BURRIS3 | 377 VAN DYKE PL BAYVILLE, NJ 08721 | AFLAC | $11 | — | $11 | 0.59% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $10 | $1 | $11 | 0.59% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 30 PARSLER PL FORDS, NJ 08863 | AFLAC | $10 | — | $10 | 0.54% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $10 | — | $10 | 0.54% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $10 | — | $10 | 0.54% |
| MICHAEL P ZILINSKI3 | 60 WALNUT AVE STE 190 CLARK, NJ 07066 | AFLAC | $3 | $2 | $5 | 0.27% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $3 | — | $3 | 0.16% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $2 | $1 | $3 | 0.16% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | — | $2 | 0.11% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $1 | — | $1 | 0.05% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $1 | — | $1 | 0.05% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $1 | — | $1 | 0.05% |
| MICHAEL P ZILINSKI3 | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | 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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 276 | $2.2M |
| Short-term disability(2 contracts) | AFLAC | 3 | $5K |
| Long-term disability(2 contracts) | AFLAC | 3 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.