| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK L. HELMICK3 | 455 DRESHERTOWN ROAD FORT WASHINGTON, PA 19034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.79% |
| UNKNOWN3 | UNKNOWN NEWTON, NJ 07860 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $462 | $462 | 0.24% |
| TIMOTHY HELMICK3 Filed as: TIMOTHY C. HELMICK | 1717 ARCH STREET, SUITE 3940 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.25% |
| FREDERICK L. HELMICK JR.3 Filed as: FREDERICK L. HELMICK, JR. | 1717 ARCH STREET, SUITE 3940 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.75% |
| LENIN RODRIGUEZ3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $7K | — | $7K | 10.15% |
| JENNIFER MOREL3 | 338 6TH AVENUE PATERSON, NJ 07524 | AFLAC | $4K | — | $4K | 5.95% |
| CHRISTINE WHITE3 | 271 UNDERHILL ROAD SOUTH ORANGE, NJ 07079 | AFLAC | $4K | — | $4K | 5.83% |
| MJ INSURANCE3 Filed as: DANIEL A. VERDUN AND VARIOUS AGENTS | 1106 GATES COURT MORRIS PLAINS, NJ 07950 | AFLAC | $2K | — | $2K | 3.21% |
| ZORN BENEFITS GROUP LLC3 Filed as: ZORN BENEFITS GROUP, LLC | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $2K | — | $2K | 2.26% |
| TIMOTHY MCANDREWS3 | 150 ALLEN ROAD, SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $1K | — | $1K | 2.12% |
| STEPHANIE IRING3 | 124 GORDON STREET CLIFTON, NJ 07011 | AFLAC | $1K | — | $1K | 1.74% |
| SWETT AND CRAWFORD3 | 1760 TELEGRAPH ROAD, SUITE 200 BLOOMFIELD HILLS, MI 48302 | ACE AMERICAN INSURANCE COMPANY | $45 | — | $45 | 7.50% |
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 | 747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 817 | $196K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $81K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 817 | $196K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 817 | $196K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 817 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.