| 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 | 2.94% |
| WALTER WOLAK3 | 220 GIBRALTAR RD HORSHAM, PA 19044 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 18.31% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $8K | 5.62% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $5K | — | $5K | 5.67% |
| ANTHONY G COLLINCINI3 | 165 WOOLLEY CT OAKHURST, NJ 07755 | AFLAC | $3K | $50 | $3K | 3.65% |
| ELISE MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $2K | $39 | $2K | 1.73% |
| DANDLEY ALEXANDRE3 | 1 DONALD ST APT B BLOOMFIELD, NJ 07003 | AFLAC | $848 | $17 | $865 | 0.93% |
| SAMANTHA CIOFFI3 Filed as: SAMANTHA E. CIOFFI | PO BOX 7131 OAKLAND, NJ 07436 | AFLAC | $551 | $6 | $557 | 0.60% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $347 | — | $347 | 0.37% |
| MICHAEL P ZILINSKI3 Filed as: MICHAEL P. ZILINSKI | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $289 | — | $289 | 0.31% |
| MARY BETH HUBBARD3 | 87 KENWOOD RD RIVER EDGE, NJ 07661 | AFLAC | $234 | — | $234 | 0.25% |
| RUSSELL T BARRETT3 Filed as: RUSSELL T. BARRETT | 61 PORCUPINE CIR. BALLSTON SPA, NY 12020 | AFLAC | $204 | — | $204 | 0.22% |
| MICHAEL S ANDERSON3 | 10907 GALLOP FLS SAN ANTONIO, TX 78254 | AFLAC | $159 | — | $159 | 0.17% |
| ANA TORRES VEGA3 | PO BOX 1161 ARROYO, PR 00714 | AFLAC | $140 | — | $140 | 0.15% |
| BRUCE B BARRETT3 | 439 GENESEE CT. SUFFERN, NY 10901 | AFLAC | $117 | — | $117 | 0.13% |
| MERYL SURGAN3 | 326 JAEGER AVE MAYWOOD, NJ 07607 | AFLAC | $67 | — | $67 | 0.07% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $50 | — | $50 | 0.05% |
| COORDINATED BENEFITS ASSOCIATES INC3 | 203 STUYVESANT AVE LYNDHURST, NJ 07071 | AFLAC | $42 | — | $42 | 0.05% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $36 | — | $36 | 0.04% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $33 | — | $33 | 0.04% |
| JUAN R MAS3 | 593 BELMONT AVE HALEDON, NJ 07508 | AFLAC | $20 | $8 | $28 | 0.03% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $26 | — | $26 | 0.03% |
| LIFESAVERS SOLUTIONS LLC3 | 151 CALLE FEDERICO COSTAS INDUSTRIA TRES MONJITAS SUITE 5 SAN JUAN, PR 00918 | AFLAC | $26 | — | $26 | 0.03% |
| BETH E FREDERICKSON3 | 19 DAVENPORT RD MONTVILLE, NJ 07045 | AFLAC | $25 | — | $25 | 0.03% |
| SHEILA DARLENE ALLEN3 | 38 PAMRAPO AVE JERSEY CITY, NJ 07305 | AFLAC | $24 | — | $24 | 0.03% |
| TUCKER ROBERT KUNKEL3 | 40 CASTLE ROCK RD LAKE HOPATCONG, NJ 07849 | AFLAC | $22 | — | $22 | 0.02% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $20 | — | $20 | 0.02% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $14 | — | $14 | 0.02% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $13 | — | $13 | 0.01% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $8 | — | $8 | 0.01% |
| TOMAS FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $7 | — | $7 | 0.01% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $6 | — | $6 | 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 | $150 | $2K | 9.90% |
| 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 | 215 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 71 | $93K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 418 | $241K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $137K |
| Short-term disability | AFLAC | 71 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $187K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.