| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSSITER INSURANCE AGENCY3 Filed as: ROSSITER INSURANCE AGENCY INC | 22 KELLOGG STREET OYSTER BAY, NY 11771 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 1.74% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC. | 1933 STATE ROUTE 35 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 6.48% |
| JEFFERY ASHEAR3 Filed as: JEFFERY M ASHEAR | PO BOX 385 DEAL, NJ 07723 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.89% |
| ROSSITER INSURANCE AGENCY3 Filed as: ROSSITER INSURANCE AGENCY INC | 22 KELLOGG STREET OYSTER BAY, NY 11771 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF NEW JERSEY | $8K | — | $8K | 5.56% |
| JEFFERY ASHEAR3 | PO BOX 385 DEAL, NJ 07723 | DELTA DENTAL OF NEW JERSEY | $3K | — | $3K | 1.82% |
| ANTHONY G COLLINCINI3 | 300 COOKMAN AVENUE UNIT 222 ASBURY PARK, NJ 07712 | AFLAC | $2K | — | $2K | 3.67% |
| ABRAHAM BASH3 | 148 S FRONT STREET APT 321 FARMINGDALE, NY 11735 | AFLAC | $874 | — | $874 | 2.12% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $860 | — | $860 | 2.09% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINGDALE, NY 11735 | AFLAC | $642 | — | $642 | 1.56% |
| DYNASTY ADVISORS LLC3 Filed as: DYNASTY ADVISORS | 123 STATE ROUTE 33 MANALAPAN, NJ 07726 | AFLAC | $444 | — | $444 | 1.08% |
| ANTHONY GORHAM3 | 12210 ROCKLEDGE DR BOWIE, MD 20715 | AFLAC | $413 | — | $413 | 1.00% |
| DANDLEY ALEXANDRE3 | 1 DONALD ST APR B BLOOMFIELD, NJ 07003 | AFLAC | $345 | — | $345 | 0.84% |
| ROBERT PIASSEK3 Filed as: ROBERT E PIASSEK | 822 SOUTH AVENUE W WESTFIELD, NJ 07090 | AFLAC | $345 | — | $345 | 0.84% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $325 | — | $325 | 0.79% |
| MICHAEL P ZILINSKI3 | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $125 | — | $125 | 0.30% |
| DIVYA JAIN3 | 14155 NEWBROOK DR CHANTILLY, VA 20151 | AFLAC | $37 | — | $37 | 0.09% |
| LAUREN DEY3 | 4 BIRCHWOOD TER BOONTON, NJ 07005 | AFLAC | $37 | — | $37 | 0.09% |
| VICTORIA ANNE BEENE3 | 6 BAYOU POINTE DR HOUSTON, TX 77063 | AFLAC | $28 | — | $28 | 0.07% |
| TUCKER ROBERT KUNKEL3 | 40 CASTLE ROCK RD LAKE HOPATCONG, NJ 07849 | AFLAC | $26 | — | $26 | 0.06% |
| ARNOLD KATZ3 | 362 STILES CT WEST ORANGE, NJ 07052 | AFLAC | $24 | — | $24 | 0.06% |
| LISA N. BATES3 Filed as: LISA NICOLE BATES | 15 MAIZE FLOWER PL TOMBALL, TX 77375 | AFLAC | $24 | — | $24 | 0.06% |
| MICHAEL ANDERS LLC3 | 8900 RESEARCH PARK DRIVE APT710 SPRING, TX 77381 | AFLAC | $13 | — | $13 | 0.03% |
| CHRSITOPHER T KELLY3 | 2040 NORTH LOOP W STE 12 HOUSTON, TX 77018 | AFLAC | $11 | — | $11 | 0.03% |
| JEFFERY ASHEAR | PO BOX 385 DEAL, NJ 07723 | VISION SERVICE PLAN | $445 | — | $445 | 3.72% |
| ROSSITER INSURANCE AGENCY3 Filed as: ROSSITER INSURANCE AGENCY INC | 123 SOUTH STREET STE 112 OYSTER BAY, NY 11771 | VISION SERVICE PLAN | $445 | — | $445 | 3.72% |
| JEFFERY ASHEAR3 | PO BOX 385 DEAL, NJ 07723 | ALPHA DENTAL PROGRAMS INC. | $40 | — | $40 | 1.52% |
| ROSSITER INSURANCE AGENCY3 Filed as: ROSSITER INSURANCE AGENCY INC | 22 KELLOGG STREET OYSTER BAY, NY 11771 | ALPHA DENTAL PROGRAMS INC. | $39 | — | $39 | 1.48% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 119 | $326K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY | 201 | $142K |
| Vision | VISION SERVICE PLAN | 64 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 205 | $158K |
| Short-term disability | STANDARD INSURANCE COMPANY | 205 | $158K |
| Long-term disability | STANDARD INSURANCE COMPANY | 205 | $158K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.