| 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 NEW JERSEY, INC. | $6K | — | $6K | 3.18% |
| WALTER WOLAK3 | 220 GIBRALTAR RD HORSHAM, PA 19044 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 20.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.42% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $5K | $285 | $5K | 6.26% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLES NEST RD COLTS NECK, NJ 07722 | AFLAC | $2K | — | $2K | 1.83% |
| ANTHONY G COLLINCINI3 | 300 COOKMAN AVE UNIT 222 ASBURY PARK, NJ 07712 | AFLAC | $1K | — | $1K | 1.53% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $489 | — | $489 | 0.58% |
| MARY BETH HUBBARD3 | 87 KENWOOD RD RIVER EDGE, NJ 07661 | AFLAC | $407 | — | $407 | 0.48% |
| RUSSELL T BARRETT3 | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $355 | — | $355 | 0.42% |
| MICHAEL P ZILINSKI3 | 271 US HIGHWAY 46 STE 0207 FAIRFIELD, NJ 07004 | AFLAC | $331 | — | $331 | 0.39% |
| ANTHONY G COLLINCINI3 | 60 WALNUT AVE STE 190 CLARK, NJ 07066 | AFLAC | $330 | — | $330 | 0.39% |
| ANDBEE CORP3 | PO BOX 84 SOUTHFIELDS, NY 10975 | AFLAC | $204 | — | $204 | 0.24% |
| ANA TORRES VEGA3 Filed as: ANA MARIA TORRES VEGA | PO BOX 1161 ARROYO, PR 00714 | AFLAC | $204 | — | $204 | 0.24% |
| MICHAEL P ZILINSKI3 | 60 WALNUT AVE STE 190 CLARK, NJ 07066 | AFLAC | $139 | $54 | $193 | 0.23% |
| MICHAEL S ANDERSON3 | 1101 35TH AVE SACRAMENTO, CA 95822 | AFLAC | $156 | — | $156 | 0.18% |
| MERYL SURGAN3 | 326 JAEGER AVE MAYWOOD, NJ 07607 | AFLAC | $117 | — | $117 | 0.14% |
| ELISE MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $73 | $42 | $115 | 0.14% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $81 | — | $81 | 0.10% |
| COORDINATED BENEFITS ASSOCIATES INC3 | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC | $73 | — | $73 | 0.09% |
| SHEILA DARLENE ALLEN3 | 38 PAMRAPO AVE JERSEY CITY, NJ 07305 | AFLAC | $72 | — | $72 | 0.08% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $63 | — | $63 | 0.07% |
| JASON D HARTMAN3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $53 | — | $53 | 0.06% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $49 | — | $49 | 0.06% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $39 | — | $39 | 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 | $38 | — | $38 | 0.04% |
| MICHAEL D GERSON3 | 155 PARK AVE APT A PARK RIDGE, NJ 07656 | AFLAC | $34 | — | $34 | 0.04% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J MONTENEGRO | 14 WALL ST 8TH FL NEW YORK, NY 10005 | AFLAC | $20 | — | $20 | 0.02% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $19 | — | $19 | 0.02% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $19 | — | $19 | 0.02% |
| MICHAEL T REYES3 | 185 PLAINS ROAD STE 200E MILFORD, CT 06461 | AFLAC | $19 | — | $19 | 0.02% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $18 | — | $18 | 0.02% |
| MICHAEL S ANDERSON3 | 74 DAWSON AVE FL 2 BOONTON, NJ 07005 | AFLAC | $14 | — | $14 | 0.02% |
| RICHARD P MULLEN3 | 929 TEANECK ROAD APT 1C TEANECK, NJ 07666 | AFLAC | $13 | — | $13 | 0.02% |
| MELISSA A SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $11 | — | $11 | 0.01% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FT LAUDERDALE, FL 33308 | AFLAC | $11 | — | $11 | 0.01% |
| TOMAS FLORES3 | 1054 GATEWAY BLVD STE 107 BOYNTON BEACH, FL 33426 | AFLAC | $9 | — | $9 | 0.01% |
| JONATHAN TORRES3 Filed as: JONATHAN GODIN | 73 STANFORD AVE WEST ORANGE, NJ 07052 | AFLAC | $8 | — | $8 | 0.01% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $7 | — | $7 | 0.01% |
| MELISSA A SCHOFIELD3 | 11620 N 39TH ST PHOENIX, CT 85028 | AFLAC | $3 | — | $3 | 0.00% |
| FELIX VALENTIN PAGAN3 Filed as: FELIX L VALENTIN PAGAN | 1204 BULEVAR SAN LUIS VILLAS DEL LAUREL 1 COTO LAUREL, PR 00780 | AFLAC | $2 | — | $2 | 0.00% |
| MIGUEL NUNEZ COLON3 Filed as: MIGUEL A NUNEZ COLON | P.O. BOX 250392 AGUADILLA, PR 00604 | AFLAC | $1 | — | $1 | 0.00% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.36% |
| 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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 82 | $85K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 367 | $188K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $218K |
| Short-term disability | AFLAC | 82 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $116K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.