| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA P SAUNDERS3 Filed as: JOSHUA P. SAUNDERS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $1K | $10 | $1K | 2.55% |
| MITCHELL B RUCKO3 Filed as: MITCHELL B. RUCKO | PO BOX 25 KINGSTON, NJ 08528 | AFLAC | $1K | $220 | $1K | 2.43% |
| ELAINE GAUDY3 | 10 FOXWOOD DRIVE APARTMENT A MORRIS PLAINS, NJ 07950 | AFLAC | $1K | $0 | $1K | 2.15% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $1K | $23 | $1K | 2.11% |
| ANDREA MARIE FORD3 | 26 MOUNTAIN COURT BEDMINSTER, NJ 07921 | AFLAC | $668 | $33 | $701 | 1.33% |
| LONA N ONGARO3 Filed as: LONA N. ONGARO AND OTHER AGENTS | 675 TEA STREET, APARTMENT 1211 BOUND BROOK, NJ 08805 | AFLAC | $445 | $0 | $445 | 0.84% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE, SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $160 | $0 | $160 | 0.30% |
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 | 264 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 596 | $283K |
| Vision | VISION SERVICE PLAN | 275 | $91K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $142K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $142K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $142K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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."
No prospect flags tripped on this filing.