| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT PIASSEK | 221 PAWNEE RD CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES INC | $106K | — | $106K | 2.97% |
| ROBERT PIASSEK | 221 PAWNEE RD CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES INC | $7K | — | $7K | 2.99% |
| ROBERT PIASSEK | 221 PAWNEE RD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.46% |
| ROBERT PIASSEK | 221 PAWNEE RD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.29% |
| ROBERT PIASSEK | 221 PAWNEE RD CRANFORD, NJ 07016 | HORIZON INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| DYLAN FRANCIS MONTEFORTE | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $692 | $0 | $692 | 2.79% |
| RONALD L SILVERMAN | 7 DOGWOOD TER SPRINGFIELD, NJ 07081 | AFLAC | $664 | $0 | $664 | 2.68% |
| JASON D HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC | $312 | $0 | $312 | 1.26% |
| MICHAEL S ANDERSON | 10907 GALLOP FLS SAN ANTONIO, TX 78254 | AFLAC | $180 | $0 | $180 | 0.73% |
| MICHAEL T REYES | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $177 | $0 | $177 | 0.71% |
| KEVIN R MCINERNEY | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $100 | $0 | $100 | 0.40% |
| MICHAEL P ZILINSKI | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $89 | $0 | $89 | 0.36% |
| DYLAN FRANCIS MONTEFORTE | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $79 | $0 | $79 | 0.32% |
| RICHARD WHELAN | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $43 | $0 | $43 | 0.17% |
| RONALD L SILVERMAN | 7 DOGWOOD TER SPRINGFIELD, NJ 07081 | AFLAC | $27 | $0 | $27 | 0.11% |
| ANDREA CHESLEY | 5 HOPLER CT ROCKAWAY, NJ 07866 | AFLAC | $20 | $0 | $20 | 0.08% |
| COORDINATED BENEFITS ASSOCIATES INC | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC | $15 | $0 | $15 | 0.06% |
| RICHARD WHELAN | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $13 | $0 | $13 | 0.05% |
| MELISSA A SCHOFIELD | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $12 | $0 | $12 | 0.05% |
| DOMINICK R SIRACUSA | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $8 | $0 | $8 | 0.03% |
| ANTHONY G COLLINCINI | 300 COOKMAN AVE UNIT 222 ASBURY PARK, NJ 07712 | AFLAC | $8 | $0 | $8 | 0.03% |
| MICHAEL S CHILLE | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $4 | $0 | $4 | 0.02% |
| MICHAEL A FORNARO | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $4 | $0 | $4 | 0.02% |
| BRIAN SANET | 11 RIDGE AVE PARK RIDGE, NJ 07656 | AFLAC | $4 | $0 | $4 | 0.02% |
| ANDBEE CORP | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $3 | $0 | $3 | 0.01% |
| TARA MICHELLE D AGOSTINO | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $3 | $0 | $3 | 0.01% |
| REY ROSTAMI | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $3 | $0 | $3 | 0.01% |
| RUSSELL T BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | $0 | $3 | 0.01% |
| LISA M WYLIE | 10 WOODBINE RD APT 6 NATICK, MA 01760 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN MCCARTHY | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $3 | $0 | $3 | 0.01% |
| TARA MICHELLE D AGOSTINO | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $2 | $0 | $2 | 0.01% |
| REY ROSTAMI | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $2 | $0 | $2 | 0.01% |
| MICHAEL A FORNARO | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $2 | $0 | $2 | 0.01% |
| TOMAS FLORES | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $2 | $0 | $2 | 0.01% |
| WENDY CALIENDO | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $2 | $0 | $2 | 0.01% |
| DOMINICK R SIRACUSA | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $1 | $0 | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | NATIONAL UNION FIRE INS CO | $796 | — | $796 | 24.99% |
| JEFF M NEWMAN | 14 FARMINGTON DR MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 3.53% |
| MICHAEL J PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 3.09% |
| LISA A PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 1.03% |
| WILLIAM E GOOD | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.15% |
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 | 295 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 227 | $3.6M |
| Dental | HORIZON HEALTHCARE SERVICES INC | 248 | $233K |
| Vision | HORIZON INSURANCE COMPANY | 237 | $26K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 295 | $139K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 92 | $98K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 227 | $435K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS CO | 295 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.