| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | AETNA LIFE INSURANCE CO | $9K | $0 | $9K | 0.18% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.21% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.34% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC (FV564/NA274/FW019) | $715 | $0 | $715 | 2.53% |
| RONALD L SILVERMAN3 | 7 DOGWOOD TER SPRINGFIELD, NJ 07081 | AFLAC (FV564/NA274/FW019) | $681 | $0 | $681 | 2.41% |
| JASON D HARTMAN3 | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC (FV564/NA274/FW019) | $319 | $0 | $319 | 1.13% |
| MICHAEL ANDERSON3 | 10907 GALLOP FLS SAN ANTONIO, TX 78254 | AFLAC (FV564/NA274/FW019) | $219 | $0 | $219 | 0.78% |
| MICHAEL T REYES3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC (FV564/NA274/FW019) | $184 | $0 | $184 | 0.65% |
| CARMINE IANNACONE3 | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC (FV564/NA274/FW019) | $112 | $0 | $112 | 0.40% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC (FV564/NA274/FW019) | $102 | $0 | $102 | 0.36% |
| MICHAEL P ZILINSKI3 | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC (FV564/NA274/FW019) | $93 | $0 | $93 | 0.33% |
| GEORGE GIAMARINO3 | 360 HARDING AVE LYNDHURST, NJ 07071 | AFLAC (FV564/NA274/FW019) | $88 | $0 | $88 | 0.31% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC (FV564/NA274/FW019) | $79 | $0 | $79 | 0.28% |
| RONALD L SILVERMAN3 Filed as: RONALD SILVERMAN | 7 DOGWOOD TER SPRINGFIELD, NJ 07081 | AFLAC (FV564/NA274/FW019) | $76 | $0 | $76 | 0.27% |
| DOMINICK R SIRACUSA3 | 225 DOLDON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC (FV564/NA274/FW019) | $55 | $0 | $55 | 0.19% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC (FV564/NA274/FW019) | $41 | $0 | $41 | 0.15% |
| RONALD L SILVERMAN3 | 7 DOGWOOD TERRACE SPRINGFIELD, NJ 07081 | AFLAC (FV564/NA274/FW019) | $27 | $0 | $27 | 0.10% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC (FV564/NA274/FW019) | $23 | $0 | $23 | 0.08% |
| COORDINATED BENEFITS ASSOCIATES INC3 | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC (FV564/NA274/FW019) | $15 | $0 | $15 | 0.05% |
| ANDREA CHESLEY3 | 5 HOPLER CT ROCKAWAY, NJ 07866 | AFLAC (FV564/NA274/FW019) | $14 | $0 | $14 | 0.05% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC (FV564/NA274/FW019) | $13 | $0 | $13 | 0.05% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC (FV564/NA274/FW019) | $13 | $0 | $13 | 0.05% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC (FV564/NA274/FW019) | $2 | $9 | $11 | 0.04% |
| ANTHONY G COLLINCINI3 Filed as: ANTHONY G COLLICINI | 300 COOKMAN AVE UNIT 222 ASBURY PARK, NJ 07712 | AFLAC (FV564/NA274/FW019) | $10 | — | $10 | 0.04% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK R SIRCUSA | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC (FV564/NA274/FW019) | $8 | $0 | $8 | 0.03% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC (FV564/NA274/FW019) | $4 | $0 | $4 | 0.01% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC (FV564/NA274/FW019) | $4 | $0 | $4 | 0.01% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE AGOSTINO | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC (FV564/NA274/FW019) | $3 | $0 | $3 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC (FV564/NA274/FW019) | $3 | $0 | $3 | 0.01% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC (FV564/NA274/FW019) | $3 | $0 | $3 | 0.01% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC (FV564/NA274/FW019) | $3 | $0 | $3 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC (FV564/NA274/FW019) | $2 | $0 | $2 | 0.01% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC (FV564/NA274/FW019) | $2 | $0 | $2 | 0.01% |
| WENDY CALIENDO3 | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC (FV564/NA274/FW019) | $2 | $0 | $2 | 0.01% |
| AMT K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC (FV564/NA274/FW019) | $1 | $0 | $1 | 0.00% |
| THOMAS FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC (FV564/NA274/FW019) | $1 | $0 | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | NATIONAL UNION FIRE INS. OF PITTSBURGH, PA | $931 | $0 | $931 | 25.00% |
| JAMES M NEWMAN3 | 1007 E SHORE DR UNIT B BRIGATINE, NJ 08203 | COLONIAL LIFE & ACCIDENT COMPANY | $9 | $0 | $9 | 6.12% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT COMPANY | $1 | $0 | $1 | 0.68% |
| LISA A PERRI3 | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT COMPANY | $1 | $0 | $1 | 0.68% |
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 | 368 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 368 | $5.0M |
| Dental | AETNA LIFE INSURANCE CO | 368 | $5.0M |
| Vision | AETNA LIFE INSURANCE CO | 368 | $5.0M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 368 | $149K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 368 | $103K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS. OF PITTSBURGH, PA | 368 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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 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.