| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $13K | $0 | $13K | 6.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 0.55% |
| LOCKTON COMPANIES, LLC3 | 1800 JOHN F. KENNEDY BOULEVARD SUITE 1110 PHILADELPHIA, PA 19103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.60% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 1 SOUTH PENN SQUARE PHILADELPHIA, PA 19107 | AFLAC | $2K | $0 | $2K | 3.61% |
| MJ INSURANCE3 Filed as: JOSHUA SAUNDERS AND VARIOUS AGENTS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $939 | $0 | $939 | 2.12% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $743 | $0 | $743 | 1.68% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J. HAYS | 5 HILLSIDE AVENUE BINGHAMTON, NY 13903 | AFLAC | $609 | $0 | $609 | 1.38% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 30 PARSLER PLACE FORDS, NJ 08863 | AFLAC | $454 | $0 | $454 | 1.03% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 179 SOUTH GLEN ROAD KINNELON, NJ 07405 | AFLAC | $452 | $0 | $452 | 1.02% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA M. DAGOSTINO | 87A BOORAEM AVENUE JERSEY CITY, NJ 07307 | AFLAC | $406 | $0 | $406 | 0.92% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 30 SOUTH 15TH STREET, SUITE 1 PHILADELPHIA, PA 19102 | AFLAC | $2K | $0 | $2K | 3.76% |
| MJ INSURANCE3 Filed as: JOSHUA PAUL GROUP & VARIOUS AGENTS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $690 | $0 | $690 | 1.64% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 3303 LIBERTY LANE WALL TOWNSHIP, NJ 07719 | AFLAC | $463 | $0 | $463 | 1.10% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $437 | $0 | $437 | 1.04% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 179 SOUTH GLEN ROAD KINNELON, NJ 07405 | AFLAC | $373 | $0 | $373 | 0.89% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA M. DAGOSTINO | 87A BOORAEM AVENUE JERSEY CITY, NJ 07307 | AFLAC | $341 | $0 | $341 | 0.81% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J. HAYS | 5 HILLSIDE AVENUE BINGHAMTON, NY 13903 | AFLAC | $255 | $0 | $255 | 0.61% |
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 | 563 | 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) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 391 | $51K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 563 | $208K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 563 | $208K |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,077 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,077 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.