| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT PIASSEK3 | 221 PAWNEE ROAD CRANFORD, NJ 07016 | AETNA LIFE INSURANCE COMPANY | $36K | $0 | $36K | 3.39% |
| JEFFREY ASHEAR3 | PO BOX 385 DEAL, NJ 07723 | AETNA LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.00% |
| ROBERT PIASSEK3 | 221 PAWNEE ROAD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 2.54% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 11 MARISSA DR NEW EGYPT, NJ 08533 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.03% |
| ROSSITER INSURANCE AGENCY3 Filed as: ROSSITER INSURANCE AGENCY INC | 22 KELLOGG STREET OYSTER, NY 11771 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.20% |
| JEFFERY ASHEAR3 | PO BOX 385 DEAL, NJ 07723 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.20% |
| PIASSEK BENEFIT ADVISORS LLC3 | 822 SOUTH AVENUE WESTFIELD, NJ 07090 | DELTA DENTAL OF NEW JERSEY INC. | $3K | $0 | $3K | 1.49% |
| JEFFERY ASHEAR3 | PO BOX 385 DEAL, NJ 07723 | DELTA DENTAL OF NEW JERSEY INC. | $2K | — | $2K | 0.93% |
| ROBERT PIASSEK3 | 822 SOUTH AVE W WESTFIELD, NJ 07090 | VISION SERVICE PLAN | $552 | $0 | $552 | 3.91% |
| ROSSITER INSURANCE AGENCY3 | 17 LUMBER RD ROSLYN, NY 11576 | VISION SERVICE PLAN | $172 | — | $172 | 1.22% |
| JEFFERY ASHEAR3 | PO BOX 385 DEAL, NJ 07723 | VISION SERVICE PLAN | $172 | — | $172 | 1.22% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | ALPHA DENTAL PROGRAM | $99 | $0 | $99 | 1.45% |
| JEFFERY ASHEAR3 | PO BOX 385 DEAL, NJ 07723 | ALPHA DENTAL PROGRAM | $64 | $0 | $64 | 0.94% |
| ROSSITER INSURANCE AGENCY3 Filed as: ROSSITER INSURANCE AGENCY INC | 22 KELLOGG STREET OYSTER, NY 11771 | ALPHA DENTAL PROGRAM | $63 | $0 | $63 | 0.92% |
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 | 320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 320 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY INC. | 320 | $176K |
| Vision | VISION SERVICE PLAN | 81 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 236 | $210K |
| Long-term disability | STANDARD INSURANCE COMPANY | 236 | $210K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 4 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.