| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 Filed as: AUSTIN & CO INC. | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | UNITED HEALTHCARE INSURANCE COMPANY | $100K | — | $100K | 3.99% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $67 | — | $67 | 2.67% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $49 | — | $49 | 1.95% |
| BRANDY T SHARROCK3 | 77 BARNEGAT RD HEWITT, NJ 07421 | AFLAC | $29 | — | $29 | 1.15% |
| GINA M PURAZZO3 | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $27 | — | $27 | 1.08% |
| MICHAEL P ZORN3 | 40 W FRANKLIN AVE #1 PEQUANNOCK, NJ 07440 | AFLAC | $26 | — | $26 | 1.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $18 | — | $18 | 0.72% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $15 | — | $15 | 0.60% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $14 | — | $14 | 0.56% |
| CHRISTOPHER J BURRIS3 | 377 VAN DYKE PL BAYVILLE, NJ 08721 | AFLAC | $12 | — | $12 | 0.48% |
| PURAZZO INSURANCE SERVICES, INC.3 Filed as: PURAZZO INSURANCE SERVICES INC | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $6 | — | $6 | 0.24% |
| DYLAN FRANCIS MONTEFORTE3 Filed as: DYLAN FRANCIS MONTFORTE | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $4 | — | $4 | 0.16% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $4 | — | $4 | 0.16% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $4 | — | $4 | 0.16% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | — | $2 | 0.08% |
| GIULIO A PADOVANI3 Filed as: GIULIO PADOVANI | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $2 | — | $2 | 0.08% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $1 | — | $1 | 0.04% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $1 | — | $1 | 0.04% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $20 | — | $20 | 2.35% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $15 | — | $15 | 1.76% |
| BRANDY T SHARROCK3 | 77 BARNEGAT RD HEWITT, NJ 07421 | AFLAC | $9 | — | $9 | 1.06% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $9 | — | $9 | 1.06% |
| MICHAEL A FORNARO3 | US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $9 | — | $9 | 1.06% |
| GINA M PURAZZO3 Filed as: GINA PURAZZO | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $5 | — | $5 | 0.59% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $3 | — | $3 | 0.35% |
| MICHAEL P ZILINSKI3 | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $2 | — | $2 | 0.23% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | — | $2 | 0.23% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $2 | — | $2 | 0.23% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $1 | — | $1 | 0.12% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $1 | — | $1 | 0.12% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $1 | — | $1 | 0.12% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 292 | $2.5M |
| Short-term disability(2 contracts) | AFLAC | 3 | $3K |
| Long-term disability | AFLAC | 3 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.