| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | DELTA DENTAL OF NJ, INC. | $7K | — | $7K | 3.56% |
| WALTER WOLAK3 | 220 GIBRALTAR RD HORSHAM, PA 19044 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 20.00% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $10K | $848 | $11K | 12.07% |
| SHEILA DARLENE ALLEN3 | 38 PAMRAPO AVE JERSEY CITY, NJ 07305 | AFLAC | $899 | $47 | $946 | 1.03% |
| MICHAEL P ZILINSKI3 | 60 WALNUT AVE STE 190 CLARK, NJ 07066 | AFLAC | $621 | $37 | $658 | 0.72% |
| MICHAEL S ANDERSON3 | 74 DAWSON AVE FL 2 BOONTON, NJ 07005 | AFLAC | $420 | $150 | $570 | 0.62% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $555 | — | $555 | 0.61% |
| MARY BETH HUBBARD3 | 87 KENWOOD RD RIVER EDGE, NJ 07661 | AFLAC | $491 | — | $491 | 0.54% |
| ELISE MONTEFORTE3 | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $464 | — | $464 | 0.51% |
| RUSSELL T BARRETT3 | 145 N FRANKLIN TPKE STE 118 RAMSEY, NJ 08446 | AFLAC | $428 | — | $428 | 0.47% |
| ANTHONY G COLLINCINI3 | 60 WALNUT AVE STE 302 CLARK, NJ 07066 | AFLAC | $352 | $24 | $376 | 0.41% |
| ANDBEE CORP3 | P.O. BOX 84 SOUTHFIELDS, NY 10975 | AFLAC | $246 | — | $246 | 0.27% |
| ANA TORRES VEGA3 Filed as: ANA MARIA TORRES VEGA | P.O. BOX 1161 ARROYO, PR 00714 | AFLAC | $215 | — | $215 | 0.23% |
| MERYL SURGAN3 | 326 JAEGER AVE MAYWOOD, NJ 07607 | AFLAC | $141 | — | $141 | 0.15% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $105 | — | $105 | 0.11% |
| COORDINATED BENEFITS ASSOCIATES INC3 | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC | $74 | — | $74 | 0.08% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $71 | — | $71 | 0.08% |
| JASON D HARTMAN3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $58 | — | $58 | 0.06% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $56 | — | $56 | 0.06% |
| REY ROSTAMI3 | P.O. BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $44 | — | $44 | 0.05% |
| MARIA IRIZARRY GARCIA3 Filed as: MARIA D IRIZARRY GARCIA | 151 CALLE FEDERICO COSTAS INDUSTRAL TRES MONJITAS, SUITE 5 SAN JUAN, PR 00918 | AFLAC | $40 | — | $40 | 0.04% |
| MICHAEL D GERSON3 | 155 PARK AVE APT A PARK RIDGE, NJ 07656 | AFLAC | $37 | — | $37 | 0.04% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $22 | — | $22 | 0.02% |
| TARA MICHELLE D AGOSTINO3 | 271 US HIGHWAY 46 STE D207 FAIRFIELD, NJ 07004 | AFLAC | $22 | — | $22 | 0.02% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J MONTENEGRO | 14 WALL ST 8TH FL NEW YORK, NY 10005 | AFLAC | $21 | — | $21 | 0.02% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $21 | — | $21 | 0.02% |
| TIMOTHY MCDERMOTT3 | 630 BOULEVARD STE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $20 | — | $20 | 0.02% |
| MELISSA A SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $16 | — | $16 | 0.02% |
| RICHARD P MULLEN3 | 929 TEANECK ROAD APT 1C TEANECK, NJ 07666 | AFLAC | $14 | — | $14 | 0.02% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FT LAUDERDALE, FL 33308 | AFLAC | $12 | — | $12 | 0.01% |
| TOMAS FLORES3 | 1054 GATEWAY BLVD #107 BOYNTON BEACH, FL 33426 | AFLAC | $11 | — | $11 | 0.01% |
| JONATHAN TORRES3 Filed as: JONATHAN GODIN | 73 STANFORD AVE WEST ORANGE, NJ 07052 | AFLAC | $10 | — | $10 | 0.01% |
| FELIX VALENTIN PAGAN3 Filed as: FELIX L VALENTIN PAGAN | 1204 BULEVAR SAN LUIS COTO LAUREL, PR 00780 | AFLAC | $2 | — | $2 | 0.00% |
| MIGUEZ A NUNEZ COLON3 | P.O. BOX 250392 AGUADILLA, PR 00604 | AFLAC | $2 | — | $2 | 0.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 5.75% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $241 | $2K | 11.18% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE CLIFTON, NJ 07013 | FEDERAL INSURANCE COMPANY - CHUBB | $2K | — | $2K | 20.00% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 73 | $92K |
| Dental | DELTA DENTAL OF NJ, INC. | 161 | $190K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $100K |
| Short-term disability | AFLAC | 73 | $92K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $163K |
| Other(3 contracts, 3 carriers) | AFLAC | 183 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.