| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | GUARDIAN | $11K | $4K | $15K | 12.94% |
| EDWARD J MOORE3 | 9 CAPE COD AVE. BARNEGAT, NJ 08005 | AFLAC | $7K | $233 | $7K | 8.80% |
| RAYMOND J LAPINSKI3 | 1251 CAPSTAN DR. FORKED RIVER, NJ 08731 | AFLAC | $4K | $229 | $4K | 5.07% |
| ALEXIS AVALLONE3 | 6 OSPREY CT. FORKED RIVER, NJ 08731 | AFLAC | $3K | $163 | $3K | 3.75% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $2K | $139 | $2K | 3.11% |
| JOSEPH INFANTE3 | 319 S STILES ST. LINDEN, NJ 07036 | AFLAC | $1K | $59 | $1K | 1.53% |
| SHANNON MOORE3 | 9 CAPE COD AVE. BARNEGAT, NJ 08005 | AFLAC | $989 | $67 | $1K | 1.32% |
| CRISTINE LAPINSKI3 | 708 OCEAN RD. SPRING LAKE, NJ 07762 | AFLAC | $807 | — | $807 | 1.01% |
| JESSICA MOST3 | 377 VAN DYKE PL. BAYVILLE, NJ 08721 | AFLAC | $596 | $20 | $616 | 0.77% |
| ANGELA M PETULLO3 | 13 OVERLOOK DR. RIVERDALE, NJ 07457 | AFLAC | $296 | $38 | $334 | 0.42% |
| KATHLEEN LAPINSKI3 | 1251 CAPSTAN DR. FORKED RIVER, NJ 08731 | AFLAC | $244 | — | $244 | 0.30% |
| NICHOLAS MIRANDI3 | 72 BARBUDA ST. TOMS RIVER, NJ 08757 | AFLAC | $208 | — | $208 | 0.26% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD. CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $101 | — | $101 | 0.13% |
| PURAZZO INSURANCE SERVICES, INC.3 | 1 BETHANY RD. STE 98 HAZLET, NJ 07730 | AFLAC | $82 | $9 | $91 | 0.11% |
| ANGELA MIRANDI3 | 72 BARBUDA STREET TOMS RIVER, NJ 08757 | AFLAC | $58 | — | $58 | 0.07% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE. STE 105 PISCATAWAY, NJ 08854 | AFLAC | $50 | — | $50 | 0.06% |
| SAMANTHA CIOFFI3 | PO BOX 7131 OAKLAND, NJ 07436 | AFLAC | $37 | $9 | $46 | 0.06% |
| ADAM MAGGIO3 | 1025 MAXWELL LN. APT 902 HOBOKEN, NJ 07030 | AFLAC | $44 | — | $44 | 0.05% |
| JESSICA HENSARLING3 | 1401 BEAVER DAM RD. POINT PLEASANT BEACH, NJ 08742 | AFLAC | $34 | — | $34 | 0.04% |
| PHILIP TUMMINIA3 | 33 TUPPENCE RD. MANALAPAN, NJ 07726 | AFLAC | $16 | — | $16 | 0.02% |
| SAMANTHA CIOFFI3 Filed as: SAMANTHA PIPOLO | PO BOX 7131 OAKLAND, NJ 07436 | AFLAC | $15 | — | $15 | 0.02% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL. EGG HARBOR, NJ 08234 | AFLAC | $10 | — | $10 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $10 | — | $10 | 0.01% |
| JAMES CLAYTON | 699 SUSSEX COURT TOMS RIVERS, NJ 08753 | AFLAC | $7 | — | $7 | 0.01% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN. MT. ARLINGTON, NJ 07856 | AFLAC | $3 | — | $3 | 0.00% |
| AMY K FOY3 | 804 MCCOY RD. FRANKLIN LAKES, NJ 07417 | AFLAC | $2 | — | $2 | 0.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR. STE 200 CAMDEN, NJ 08103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.31% |
| PATRIOT GROWTH INSURANCE SERVICES0 Filed as: PATRIOT GROWTH INS SERVICES LLC | 1460 US HIGHWAY 9 N SUITE 200 WOODBRIDGE, NJ 07095 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $793 | — | $793 | 4.69% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 258 | $117K |
| Vision | GUARDIAN | 258 | $117K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $17K |
| Short-term disability | AFLAC | 89 | $80K |
| Long-term disability | AFLAC | 89 | $80K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 224 | $312K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.