| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA P SAUNDERS3 Filed as: JOSHUA P. SAUNDERS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $2K | $21 | $2K | 3.85% |
| MITCHELL B RUCKO3 Filed as: MITCHELL B. RUCKO | PO BOX 25 KINGSTON, NJ 08528 | AFLAC | $2K | $178 | $2K | 3.66% |
| ELAINE GAUDY3 | 10 FOXWOOD DRIVE, APARTMENT A MORRIS PLAINS, NJ 07950 | AFLAC | $1K | $0 | $1K | 2.30% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $1K | $20 | $1K | 2.25% |
| LONA N ONGARO3 Filed as: LONA N. ONGARO AND OTHER AGENTS | 675 TEA STREET, APARTMENT 1211 BOUND BROOK, NJ 08805 | AFLAC | $495 | $0 | $495 | 0.91% |
| ANDREA MARIE FORD3 | 26 MOUNTAIN COURT BEDMINSTER, NJ 07921 | AFLAC | $449 | $41 | $490 | 0.90% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE, SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $175 | $0 | $175 | 0.32% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 574 | $281K |
| Vision | VISION SERVICE PLAN | 267 | $88K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $127K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $127K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $127K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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.