| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | AETNA LIFE INSURANCE CO | $8K | $10K | $18K | 0.40% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 4.34% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 7.19% |
| DYLAN FRANCIS MONTEFORTE3 Filed as: DYLAN F MONTEFORTE | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $692 | $0 | $692 | 2.51% |
| RONALD L SILVERMAN3 | 7 DOGWOOD TER SPRINGFIELD, NJ 07081 | AFLAC | $664 | $0 | $664 | 2.41% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LADE ST STE2 MONROE, NY 10950 | AFLAC | $312 | $0 | $312 | 1.13% |
| MICHAEL S ANDERSON3 | 10907 GALLOP FLS SAN ANTONIO, TX 78254 | AFLAC | $180 | $0 | $180 | 0.65% |
| MICHAEL T REYES3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $177 | $0 | $177 | 0.64% |
| CARMINE IANNACONE3 | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC | $112 | $0 | $112 | 0.41% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $100 | $0 | $100 | 0.36% |
| MICHAEL P ZILINSKI3 | 1633 WASHINGON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $89 | $0 | $89 | 0.32% |
| GEORGE GIAMARINO3 | 360 HARDING AVE LYNDHURST, NJ 07071 | AFLAC | $88 | $0 | $88 | 0.32% |
| DYLAN FRANCIS MONTEFORTE3 Filed as: DYLAN F MONTEFORTEE | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $79 | $0 | $79 | 0.29% |
| RONALD L SILVERMAN3 | 7 DOGWOODTER SPRINGFIELD, NJ 07081 | AFLAC | $76 | $0 | $76 | 0.28% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $55 | $0 | $55 | 0.20% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $43 | $0 | $43 | 0.16% |
| RONALD L SILVERMAN3 | 7 DOGWOOD TER SPRINGFIELD, NJ 07081 | AFLAC | $27 | $0 | $27 | 0.10% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $23 | $0 | $23 | 0.08% |
| ANDREA CHESLEY3 | 5 HOPLER CT ROCKAWAY, NJ 07866 | AFLAC | $20 | $0 | $20 | 0.07% |
| COORDINATED BENEFITS ASSOCIATES INC3 Filed as: COORDINATED BENEFITS ASSOC IN | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC | $15 | $0 | $15 | 0.05% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $13 | $0 | $13 | 0.05% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $12 | $0 | $12 | 0.04% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $8 | $0 | $8 | 0.03% |
| ANTHONY G COLLINCINI3 | 300 COOKMAN AVE UNIT 222 ASBURY PARK, NJ 07712 | AFLAC | $8 | $0 | $8 | 0.03% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $4 | $0 | $4 | 0.01% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $4 | $0 | $4 | 0.01% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $4 | $0 | $4 | 0.01% |
| BRIAN SANET3 | 11 RIDGE AVE PARK RIDGE, NJ 07656 | AFLAC | $4 | $0 | $4 | 0.01% |
| ANDBEE CORP3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $3 | $0 | $3 | 0.01% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA M D AGOSTINO | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $3 | $0 | $3 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $3 | $0 | $3 | 0.01% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | $0 | $3 | 0.01% |
| LISA M WYLIE3 | 10 WOODBINE RD APT 6 NATICK, MA 01760 | AFLAC | $3 | $0 | $3 | 0.01% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $3 | $0 | $3 | 0.01% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA M D AGOSTINO | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $2 | $0 | $2 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $2 | $0 | $2 | 0.01% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $2 | $0 | $2 | 0.01% |
| TOMAS FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $2 | $0 | $2 | 0.01% |
| WENDY CALIENDO3 | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $2 | $0 | $2 | 0.01% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $1 | $0 | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $796 | $0 | $796 | 24.99% |
| JEFF M NEWMAN3 | 14 FARMINGTON DR MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 3.07% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 2.49% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.88% |
| WILLIAM E GOOD3 | 545 TOMSAWYER 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 | 338 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 307 | $4.5M |
| Dental | AETNA LIFE INSURANCE CO | 307 | $4.5M |
| Vision | AETNA LIFE INSURANCE CO | 307 | $4.5M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 338 | $141K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 92 | $102K |
| Prescription drug | AETNA LIFE INSURANCE CO | 307 | $4.5M |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 338 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.