| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.16% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 18.05% |
| IMG5 | 1960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $67 | $67 | 0.04% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $7K | $137 | $7K | 17.87% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOPLH, NJ 07869 | AFLAC | $842 | $29 | $871 | 2.15% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $87 | — | $87 | 0.21% |
| AUSTIN SCHNEIDER3 | 31 CLEARVIEW DR RANDOLPH, NJ 07869 | AFLAC | $17 | — | $17 | 0.04% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46, STE H119 FAIRFIELD, NJ 07004 | AFLAC | $16 | — | $16 | 0.04% |
| KIMBERLY A SANKA3 | 861 VOORHEES AVE MIDDLESEX, NJ 08846 | AFLAC | $7 | — | $7 | 0.02% |
| TARA MICHELLE D AGOSTINO3 | 124 DRS JAMES PARKER BLVD RED BANK, NJ 07701 | AFLAC | $3 | — | $3 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | — | $2 | 0.00% |
| JEANNETTE VALLE3 | 13 WINDING WAY DENVILLE, NJ 07834 | AFLAC | $2 | — | $2 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | P.O. BOX 335 SPARTA, NJ 07871 | AFLAC | $2 | — | $2 | 0.00% |
| REY ROSTAMI3 | P.O. BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $2 | — | $2 | 0.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 30 | $40K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 438 | $201K |
| Vision | AETNA LIFE INSURANCE COMPANY | 438 | $160K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 323 | $153K |
| Short-term disability | AFLAC | 30 | $40K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 323 | $153K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 323 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.