| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVS LLC | 501 OFFICE CENTER DRIVE STE 215 FORT WASHINGTON, PA 19034 | DELTA DENTAL OF NEW JERSEY, INC. | $10K | — | $10K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | — | $5K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVS LLC | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 07095 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| TRUE NETWORK OF ADVISORS LLC3 | 501 OFFICE CENTER DR. SUITE 215 FORT WASHINGTON, PA 19034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $385 | $385 | 0.97% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVS LLC | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 07095 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| TRUE NETWORK OF ADVISORS LLC3 | 501 OFFICE CENTER DR. SUITE 215 FORT WASHINGTON, PA 19034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $317 | $317 | 0.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVS LLC | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 07095 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| TRUE NETWORK OF ADVISORS LLC3 | 501 OFFICE CENTER DR. SUITE 215 FORT WASHINGTON, PA 19034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $178 | $178 | 0.98% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 07095 | VISION SERVICE PLAN | $922 | — | $922 | 6.21% |
| YANIS E KALOUDIS3 Filed as: YANIS KALOUDIS | 45 DEAN ST WESTWOOD, NJ 07675 | AFLAC | $461 | $4 | $465 | 5.38% |
| MICHAEL P ZORN3 Filed as: MICHAEL ZORN | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $148 | — | $148 | 1.71% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $119 | — | $119 | 1.38% |
| TYLER KNIGHT3 | 190 PEQUEST RD BELVIDERE, NJ 07823 | AFLAC | $83 | $8 | $91 | 1.05% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 10 UNION AVE APT 302 BALA CYNWYD, PA 19004 | AFLAC | $58 | — | $58 | 0.67% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $34 | — | $34 | 0.39% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07460 | AFLAC | $26 | — | $26 | 0.30% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $20 | — | $20 | 0.23% |
| ROBERT TOWNSEND3 | 34 SPRUCE ST #1 ELMWOOD PARK, NJ 07407 | AFLAC | $10 | — | $10 | 0.12% |
| AMY K FOY3 Filed as: AMY FOY | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $9 | — | $9 | 0.10% |
| BETH E FREDERICKSON3 Filed as: BETH FREDERICKSON | 19 DAVENPORT RD MONTVILLE, NJ 07045 | AFLAC | $5 | $2 | $7 | 0.08% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $5 | — | $5 | 0.06% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $4 | — | $4 | 0.05% |
| TARA D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $4 | — | $4 | 0.05% |
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 | 133 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 251 | $97K |
| Vision | VISION SERVICE PLAN | 104 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $33K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $40K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $18K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.