| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELAINE GAUDY3 | 290 MAIN STREET APARTMENT K MADISON, NJ 07940 | AFLAC | $3K | $8 | $3K | 4.06% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $2K | $69 | $2K | 3.25% |
| MJ INSURANCE3 Filed as: LONA ONGARO AND VARIOUS AGENTS | 60 HENRY COURT MOUNT ARLINGTON, NJ 07856 | AFLAC | $865 | $18 | $883 | 1.41% |
| CHATTAM BUSINESS ASSOCIATES3 | 10633 NW 32ND COURT CORAL SPRINGS, FL 33065 | AFLAC | $665 | $0 | $665 | 1.06% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $268 | $0 | $268 | 0.43% |
| EMMA SCHON3 | 150 ALLEN ROAD SUITE 100 BASKING RIDGE, NJ 07920 | AFLAC | $141 | $91 | $232 | 0.37% |
| JEANETTE SCHAUB3 | 28 NORTH 1ST STREET, SUITE 700 SAN JOSE, CA 95113 | AFLAC | $107 | $0 | $107 | 0.17% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $6K | $0 | $6K | 10.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SVCS | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $1K | $0 | $1K | 2.48% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 246 | $267K |
| Vision | VISION SERVICE PLAN | 248 | $84K |
| Life insurance | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 244 | $59K |
| Short-term disability | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 244 | $59K |
| Long-term disability | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 244 | $59K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.