| 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 | $126K | $0 | $126K | 3.87% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $117 | $14 | $131 | 3.54% |
| BRANDY T SHARROCK3 | 77 BARNEGAT RD HEWITT, NJ 07421 | AFLAC | $110 | $21 | $131 | 3.54% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $53 | $0 | $53 | 1.43% |
| PURAZZO INSURANCE SERVICES, INC.3 Filed as: PURAZZO INSURANCE SERVICES INC | 1 BETHANY RD STE 98 HAZLET, NJ 07730 | AFLAC | $29 | $5 | $34 | 0.92% |
| GINA M PURAZZO3 Filed as: GINA PURAZZO | 1 BETHANY RD STE 98 HAZLET, NJ 07730 | AFLAC | $24 | $0 | $24 | 0.65% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $19 | $5 | $24 | 0.65% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER LYONS | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $20 | $3 | $23 | 0.62% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $19 | $0 | $19 | 0.51% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $15 | $0 | $15 | 0.41% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $13 | $0 | $13 | 0.35% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $9 | $3 | $12 | 0.32% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $8 | $0 | $8 | 0.22% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $7 | $0 | $7 | 0.19% |
| GINA M PURAZZO3 | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $5 | $0 | $5 | 0.14% |
| 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 | $22 | $0 | $22 | 2.46% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $16 | $0 | $16 | 1.79% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $10 | $0 | $10 | 1.12% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $10 | $0 | $10 | 1.12% |
| BRANDY T SHARROCK3 | 77 BARNEGAT RD HEWITT, NJ 07421 | AFLAC | $9 | $0 | $9 | 1.01% |
| GINA M PURAZZO3 Filed as: GINA PURAZZO | 1 BETHANY RD STE 98 HAZLET, NJ 07730 | AFLAC | $4 | $0 | $4 | 0.45% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $3 | $0 | $3 | 0.34% |
| MICHAEL P ZILINSKI3 | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $2 | $0 | $2 | 0.22% |
| ALBERT SHUST3 Filed as: ALBERT SHUSI | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | $0 | $2 | 0.22% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $1 | $0 | $1 | 0.11% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $1 | $0 | $1 | 0.11% |
| GINA M PURAZZO3 Filed as: GINA PURAZZO | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $1 | $0 | $1 | 0.11% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $1 | $0 | $1 | 0.11% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $1 | $0 | $1 | 0.11% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $3.3M |
| Short-term disability(2 contracts) | AFLAC | 4 | $5K |
| Long-term disability | AFLAC | 4 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.