| 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 | 5.94% |
| LOCKTON COMPANIES, LLC3 | 1800 JFK BOULEVARD, SUITE 1110 PHILADELPHIA, PA 19103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.19% |
| MJ INSURANCE3 Filed as: TARA M D'AGOSTINO & VARIOUS AGENTS | 87A BOORAEM AVENUE JERSEY CITY, NJ 07307 | AFLAC | $2K | $0 | $2K | 4.17% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 1 SOUTH PENN SQUARE PHILADELPHIA, PA 19107 | AFLAC | $1K | $0 | $1K | 3.70% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $654 | $0 | $654 | 1.72% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J. HAYS | 5 HILLSIDE AVENUE BINGHAMTON, NY 13903 | AFLAC | $548 | $0 | $548 | 1.44% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS 20TH FLOOR NEW YORK, NY 10036 | AFLAC | $442 | $0 | $442 | 1.16% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 10573 VERSAILLES BOULEVARD WELLINGTON, FL 33449 | AFLAC | $401 | $0 | $401 | 1.05% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 30 PARSLER PLACE FORDS, NJ 08863 | AFLAC | $399 | $0 | $399 | 1.05% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 30 SOUTH 15TH STREET, SUITE 1 PHILADELPHIA, PA 19102 | AFLAC | $1K | $0 | $1K | 3.76% |
| MJ INSURANCE3 Filed as: LESLEY J. BALIN AND VARIOUS AGENTS | 7 CAROLYN COURT MORRISTOWN, NJ 07960 | AFLAC | $854 | $0 | $854 | 2.78% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 3303 LIBERTY LANE WALL TOWNSHIP, NJ 07719 | AFLAC | $376 | $0 | $376 | 1.22% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D'AGOSTINO | 87A BOORAEM AVENUE JERSEY CITY, NJ 07307 | AFLAC | $303 | $0 | $303 | 0.98% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $294 | $0 | $294 | 0.96% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 40 WEST FRANKLIN AVENUE, SUITE 1 PEQUANNOCK, NJ 07440 | AFLAC | $249 | $0 | $249 | 0.81% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J. HAYS | 5 HILLSIDE AVENUE BINGHAMTON, NY 13903 | AFLAC | $198 | $0 | $198 | 0.64% |
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 | 591 | 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) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 362 | $54K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 596 | $221K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 596 | $221K |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 976 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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.