| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $55K | $0 | $55K | 3.29% |
| JACK ABEL3 | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $0 | $18K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 125 CAPITAL OF TX HWY S BUILDING 2, SUITE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $541 | $541 | 0.62% |
| YANIS E KALOUDIS3 | 422 RINGWOOD AVE #216 POMPTON LAKES, NJ 07442 | AFLAC | $603 | $0 | $603 | 5.48% |
| ZORN BENEFITS GROUP LLC3 | 60 US HIGHWAY 46 AFLAC OFFICE FAIRFIELD, NJ 07004 | AFLAC | $193 | $0 | $193 | 1.75% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $163 | $0 | $163 | 1.48% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD 4TH FLR PHILADELPHIA, PA 19125 | AFLAC | $80 | $0 | $80 | 0.73% |
| TYLER KNIGHT3 | 190 PEQUEST RD BELVIDERE, NJ 07823 | AFLAC | $68 | $0 | $68 | 0.62% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $48 | $0 | $48 | 0.44% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $46 | $0 | $46 | 0.42% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $28 | $0 | $28 | 0.25% |
| AMY K FOY3 Filed as: AMY FOY | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $12 | $0 | $12 | 0.11% |
| ROBERT TOWNSEND3 | 34 SPRUCE ST #1 ELMWOOD PARK, NJ 07407 | AFLAC | $10 | $0 | $10 | 0.09% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $4 | $0 | $4 | 0.04% |
| TARA D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $4 | $0 | $4 | 0.04% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 127 | $1.7M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 127 | $1.7M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $88K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $88K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $88K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 127 | $1.7M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.