| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALTER WOLAK3 | 220 GIBRALTAR RD HORSHAM, PA 19044 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 20.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 3.30% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.23% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $7K | $265 | $8K | 8.53% |
| ANTHONY G COLLINCINI3 | 300 COOKMAN AVE UNIT 222 ASBURY PARK, NJ 07712 | AFLAC | $2K | $222 | $2K | 2.21% |
| MICHAEL P ZILINSKI3 | 271 US HIGHWAY 46 STE 0207 FAIRFIELD, NJ 07004 | AFLAC | $746 | $81 | $827 | 0.91% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $823 | — | $823 | 0.91% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $467 | — | $467 | 0.52% |
| MARY BETH HUBBARD3 | 87 KENWOOD RD RIVER EDGE, NJ 07661 | AFLAC | $386 | — | $386 | 0.43% |
| RUSSELL T BARRETT3 | 665 SARATOGA RD APT 130 GANSEVOORT, NY 12831 | AFLAC | $336 | — | $336 | 0.37% |
| ANA TORRES VEGA3 Filed as: ANA MARIA TORRES VEGA | PO BOX 1161 ARROYO, PR 00714 | AFLAC | $204 | — | $204 | 0.23% |
| MICHAEL S ANDERSON3 | 1101 35TH AVE SACRAMENTO, CA 95822 | AFLAC | $173 | — | $173 | 0.19% |
| ANDBEE CORP3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $163 | — | $163 | 0.18% |
| MERYL SURGAN3 | 326 JAEGER AVE MAYWOOD, NJ 07607 | AFLAC | $111 | — | $111 | 0.12% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $83 | — | $83 | 0.09% |
| ELISE MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $73 | — | $73 | 0.08% |
| SHEILA DARLENE ALLEN3 | 38 PAMRAPO AVE JERSEY CITY, NJ 07305 | AFLAC | $72 | — | $72 | 0.08% |
| COORDINATED BENEFITS ASSOCIATES INC3 | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC | $62 | — | $62 | 0.07% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $58 | — | $58 | 0.06% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $45 | — | $45 | 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% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $36 | — | $36 | 0.04% |
| ANDBEE CORP3 | P.O. BOX 84 SOUTHFIELDS, NY 10975 | AFLAC | $30 | — | $30 | 0.03% |
| 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 | $18 | — | $18 | 0.02% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $18 | — | $18 | 0.02% |
| MICHAEL D GERSON3 | 155 PARK AVE APT A PARK RIDGE, NJ 07656 | AFLAC | $17 | — | $17 | 0.02% |
| MICHAEL D GERSON3 | 124 NOYES DR #311 PARK RIDGE, NJ 07656 | AFLAC | $17 | — | $17 | 0.02% |
| MELISSA A SCHOFIELD3 | 11620 N 39TH ST PHOENIX, CT 85028 | AFLAC | $12 | — | $12 | 0.01% |
| MICHAEL T REYES3 | 185 PLAINS ROAD STE 200E MILFORD, CT 06461 | AFLAC | $11 | — | $11 | 0.01% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FT. LAUDERDALE, FL 33308 | AFLAC | $11 | — | $11 | 0.01% |
| JASON D HARTMAN3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $9 | — | $9 | 0.01% |
| JASON D HARTMAN3 | 10 LAKE ST SUITE 2 MONROE, NY 10950 | AFLAC | $9 | — | $9 | 0.01% |
| TOMAS FLORES3 | 1265 15TH ST APT 16G FORT LEE, NJ 07024 | AFLAC | $9 | — | $9 | 0.01% |
| 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 AGUADILA, PR 00604 | AFLAC | $2 | — | $2 | 0.00% |
| JONATHAN TORRES3 Filed as: JONATHAN GODIN | 73 STANDFORD AVE WEST ORANGE, NJ 07052 | AFLAC | $1 | — | $1 | 0.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 79 | $91K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 332 | $173K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $93K |
| Short-term disability | AFLAC | 79 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $179K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.