| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | — | $7K | 3.16% |
| WALTER WOLAK3 | 220 GIBRALTAR RD HORSHAM, PA 19044 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 20.00% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.92% |
| DYLAN FRANCIS MONTEFORTE3 Filed as: DYLAN MONTEFORTE | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $12K | — | $12K | 12.24% |
| ANTHONY G COLLINCINI3 Filed as: ANTHONY COLLINCINI | 300 COOKMAN AVE UNIT 222 ASBURY PARK, NJ 07712 | AFLAC | $884 | — | $884 | 0.90% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $416 | — | $416 | 0.42% |
| MICHAEL P ZILINSKI3 Filed as: MICHAEL P. ZILINSKI | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $318 | — | $318 | 0.32% |
| MARY BETH HUBBARD3 | 87 KENWOOD RD RIVER EDGE, NJ 07661 | AFLAC | $307 | — | $307 | 0.31% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $267 | — | $267 | 0.27% |
| MICHAEL S ANDERSON3 Filed as: MICHAEL S. ANDERSON | 10907 GALLOP FLS SAN ANTONIO, TX 78254 | AFLAC | $176 | — | $176 | 0.18% |
| ANDBEE CORP3 | 439 GENESEE CT SUFFERN, NY 10901 | AFLAC | $154 | — | $154 | 0.16% |
| ANA TORRES VEGA3 | PO BOX 1161 ARROYO, PR 00714 | AFLAC | $140 | — | $140 | 0.14% |
| MERYL SURGAN3 | 326 JAEGER AVE MAYWOOD, NJ 07607 | AFLAC | $88 | — | $88 | 0.09% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $66 | — | $66 | 0.07% |
| DANDLEY ALEXANDRE3 | 1 DONALD ST APT B BLOOMFIELD, NJ 07003 | AFLAC | $58 | — | $58 | 0.06% |
| COORDINATED BENEFITS ASSOCIATES INC3 | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC | $58 | — | $58 | 0.06% |
| ELISE MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $58 | — | $58 | 0.06% |
| TUCKER ROBERT KUNKEL3 | 40 CASTLE ROCK RD LAKE HOPATCONG, NJ 07849 | AFLAC | $57 | — | $57 | 0.06% |
| BETH E FREDERICKSON3 | 19 DAVENPORT RD MONTVILLE, NJ 07045 | AFLAC | $56 | — | $56 | 0.06% |
| ALYSON WHELAN3 | 132 WILLOW GROVE ST HACKETTSTOWN, NJ 07840 | AFLAC | $53 | — | $53 | 0.05% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $51 | — | $51 | 0.05% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $41 | — | $41 | 0.04% |
| SHEILA DARLENE ALLEN3 | 38 PAMRAPO AVE JERSEY CITY, NJ 07305 | AFLAC | $35 | — | $35 | 0.04% |
| MICHAEL D GERSON3 Filed as: MICHAEL D. GERSON | 124 NOYES DR #311 PARK RIDGE, NJ 07656 | AFLAC | $34 | — | $34 | 0.03% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $33 | — | $33 | 0.03% |
| MARIA IRIZARRY GARCIA3 | 151 CALLE FEDERICO COSTAS INDUSTRIAL TRES MONJITAS, SUITE 5 SAN JUAN, PR 00918 | AFLAC | $26 | — | $26 | 0.03% |
| ALVARO MONTENEGRO3 | 14 WALL ST 8TH FL NEW YORK, NY 10005 | AFLAC | $20 | — | $20 | 0.02% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $20 | — | $20 | 0.02% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE ST SUITE 2 MONROE, NY 10950 | AFLAC | $19 | — | $19 | 0.02% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $16 | — | $16 | 0.02% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $16 | — | $16 | 0.02% |
| MICHAEL REYES3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $11 | — | $11 | 0.01% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $10 | — | $10 | 0.01% |
| TOMAS FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $8 | — | $8 | 0.01% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $8 | — | $8 | 0.01% |
| FELIX VALENTIN PAGAN3 | 1204 BULEVAR SAN LUIS VILLAS DEL LAUREL 1 COTO LAUREL, PR 00780 | AFLAC | $1 | — | $1 | 0.00% |
| MIGUEL NUNEZ COLON3 | P.O. BOX 250392 AGUADILLA, PR 00604 | 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 | 9.34% |
| 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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 74 | $99K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 425 | $208K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $145K |
| Short-term disability | AFLAC | 74 | $99K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $203K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $480K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.