| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELAINE GAUDY3 | 10 FOXWOOD DRIVE, APARTMENT A MORRIS PLAINS, NJ 07950 | AFLAC | $2K | $19 | $2K | 3.70% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $2K | $19 | $2K | 3.61% |
| MJ INSURANCE3 Filed as: JEANETTE SCHAUB AND VARIOUS AGENTS | 28 NORTH 1ST STREET, SUITE 700 SAN JOSE, CA 95113 | AFLAC | $752 | $57 | $809 | 1.62% |
| CHATTAM BUSINESS ASSOCIATES3 | 10633 NW 32ND COURT CORAL SPRINGS, FL 33065 | AFLAC | $540 | $0 | $540 | 1.08% |
| MITCHELL RUCKO3 | PO BOX 25 KINGSTON, NJ 08528 | AFLAC | $273 | $9 | $282 | 0.57% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE, SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $235 | $0 | $235 | 0.47% |
| DEBRA BURSTEIN RUCKO3 | PO BOX 25 KINGSTON, NJ 08528 | AFLAC | $146 | $27 | $173 | 0.35% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 256 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 603 | $263K |
| Vision | VISION SERVICE PLAN | 250 | $85K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $95K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $95K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.