| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHATHAM BUSINESS ASSOC. LTD. INC.3 | 10633 NORTHWEST 32ND COURT CORAL SPRINGS, FL 33065 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 1.29% |
| CHATHAM BUSINESS ASSOC. LTD. INC.3 | PO BOX 66 GREEN VILLAGE, NJ 07935 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.99% |
| NAS, INC.3 | 268 SOUTH STREET MORRISTOWN, NJ 07960 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $2K | — | $2K | 1.82% |
| ELAINE GAUDY3 | 150 ALLEN ROAD, SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $3K | $26 | $3K | 5.63% |
| JOSHUA P SAUNDERS3 Filed as: JOSHUA P. SAUNDERS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $2K | $21 | $2K | 4.14% |
| CHATTAM BUSINESS ASSOCIATES3 | 10633 NW 32ND COURT CORAL SPRINGS, FL 33065 | AFLAC | $658 | — | $658 | 1.24% |
| MJ INSURANCE3 Filed as: LONA N. ONGARO AND VARIOUS AGENTS | 16 TALBOT STREET SOMERSET, NJ 08873 | AFLAC | $637 | $9 | $646 | 1.22% |
| JOSEPH C. LORE3 | 11 MOUNT PLEASANT AVENUE WHARTON, NJ 07885 | AFLAC | $578 | — | $578 | 1.09% |
| BRAD M. IROFF3 | 3923 PARK AVENUE EDISON, NJ 08820 | AFLAC | $398 | — | $398 | 0.75% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE, SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $244 | — | $244 | 0.46% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 584 | $298K |
| Life insurance | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 242 | $135K |
| Short-term disability | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 242 | $135K |
| Long-term disability | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 242 | $135K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.