| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $161K | $170K | 3.09% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 0.37% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $6K | $1K | $8K | 3.93% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $5K | $654 | $5K | 6.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | AIG PROPERTY CASULTY | $931 | $0 | $931 | 25.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC (FV564/NA274/FWO) | $2K | $0 | $2K | — |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC (FV564/NA274/FWO) | $574 | $0 | $574 | — |
| RONALD L SILVERMAN3 | 7 DODWOOD TER SPRINGFIELD, NJ 07081 | AFLAC (FV564/NA274/FWO) | $373 | $0 | $373 | — |
| MICHAEL S ANDERSON3 | 10907 GALLOP FLS SAN ANTONIO, TX 78254 | AFLAC (FV564/NA274/FWO) | $170 | $0 | $170 | — |
| JASON D HARTMAN3 Filed as: JASON D. HARTMAN | 10 LAKE ST STE 2 MONROE, NY 10950 | AFLAC (FV564/NA274/FWO) | $148 | $0 | $148 | — |
| MICHAEL T REYES3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC (FV564/NA274/FWO) | $100 | $0 | $100 | — |
| CARMINE IANNACONE3 | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC (FV564/NA274/FWO) | $95 | $0 | $95 | — |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC (FV564/NA274/FWO) | $79 | $0 | $79 | — |
| GEORGE GIAMARINO3 | 360 HARDING AVE LYNDHURST, NJ 07071 | AFLAC (FV564/NA274/FWO) | $77 | $0 | $77 | — |
| MICHAEL P ZILINSKI3 | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC (FV564/NA274/FWO) | $73 | $0 | $73 | — |
| RONALD L SILVERMAN3 Filed as: RONALD SILVERMAN | 7 DOGWOOD TER SPRINGFIELD, NJ 07081 | AFLAC (FV564/NA274/FWO) | $63 | $0 | $63 | — |
| KEVIN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC (FV564/NA274/FWO) | $54 | $0 | $54 | — |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC (FV564/NA274/FWO) | $46 | $0 | $46 | — |
| RICHARD WHELAN3 | 3887 NM 52ND ST BOCA RATON, FL 33496 | AFLAC (FV564/NA274/FWO) | $26 | $0 | $26 | — |
| RONALD L SILVERMAN3 Filed as: RONALD SILVERMAN | 7 DOGWOOD TER SPRINGFIELD, NJ 07081 | AFLAC (FV564/NA274/FWO) | $25 | $0 | $25 | — |
| MICHAEL S CHILLE3 | 6760 VALHALLA WAY WINDERMERE, FL 34786 | AFLAC (FV564/NA274/FWO) | $20 | $0 | $20 | — |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC (FV564/NA274/FWO) | $13 | $0 | $13 | — |
| COORDINATED BENEFITS ASSOCIATES INC3 Filed as: COORDINATED BENEFITS ASSOC | PO BOX 728 LYNDHURST, NJ 07071 | AFLAC (FV564/NA274/FWO) | $13 | $0 | $13 | — |
| ANDREA CHESLEY3 | 5 HOPLER CT ROCKAWAY, NJ 07866 | AFLAC (FV564/NA274/FWO) | $12 | $0 | $12 | — |
| MELLISA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC (FV564/NA274/FWO) | $8 | $0 | $8 | — |
| ANTHONY G COLLINCINI3 | 165 WOOLLEY CT OAKHURST, NJ 07755 | AFLAC (FV564/NA274/FWO) | $8 | $0 | $8 | — |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NJ 10940 | AFLAC (FV564/NA274/FWO) | $7 | $0 | $7 | — |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINDERMERE, FL 01890 | AFLAC (FV564/NA274/FWO) | $4 | $0 | $4 | — |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC (FV564/NA274/FWO) | $3 | $0 | $3 | — |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC (FV564/NA274/FWO) | $3 | $0 | $3 | — |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC (FV564/NA274/FWO) | $2 | $0 | $2 | — |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC (FV564/NA274/FWO) | $2 | $0 | $2 | — |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC (FV564/NA274/FWO) | $2 | $0 | $2 | — |
| WENDY CALIENDO3 | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC (FV564/NA274/FWO) | $2 | $0 | $2 | — |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC (FV564/NA274/FWO) | $2 | $0 | $2 | — |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC (FV564/NA274/FWO) | $2 | $0 | $2 | — |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC (FV564/NA274/FWO) | $1 | $0 | $1 | — |
| TOMAS FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC (FV564/NA274/FWO) | $1 | $0 | $1 | — |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC (FV564/NA274/FWO) | $1 | $0 | $1 | — |
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 | 452 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 701 | $5.5M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 701 | $5.5M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 467 | $196K |
| Long-term disability | STANDARD INSURANCE COMPANY | 125 | $84K |
| Other(2 contracts, 2 carriers) | AIG PROPERTY CASULTY | 24 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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.