| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY HELMICK3 Filed as: TIMOTHY C. HELMICK | 1717 ARCH STREET, SUITE 3940 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.27% |
| FREDERICK L. HELMICK JR.3 | 1717 ARCH STREET, SUITE 3940 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.27% |
| LENIN RODRIGUEZ3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $9K | $50 | $9K | 8.46% |
| CHRISTINE WHITE3 | 271 UNDERHILL ROAD SOUTH ORANGE, NJ 07079 | AFLAC | $6K | $30 | $6K | 5.72% |
| TIMOTHY MCDERMOTT3 Filed as: TIMOTHY MCANDREWS AND OTHER AGENTS | 150 ALLEN ROAD, SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $5K | $8 | $5K | 4.68% |
| BRAD CLINTON3 | 41 WILSON AVENUE EAST RIVERDALE, NJ 07457 | AFLAC | $2K | $0 | $2K | 1.93% |
| ZORN BENEFITS GROUP LLC3 | 179 SOUTH GLEN ROAD KINNELON, NJ 07405 | AFLAC | $2K | $16 | $2K | 1.85% |
| JENNIFER MOREL3 | 338 6TH AVENUE PATERSON, NJ 07524 | AFLAC | $2K | $32 | $2K | 1.63% |
| LORI CLINTON3 | 41 WILSON AVENUE EAST RIVERDALE, NJ 07457 | AFLAC | $2K | $6 | $2K | 1.61% |
| TIMOTHY HELMICK3 Filed as: TIMOTHY C. HELMICK | 1717 ARCH STREET, SUITE 3940 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 8.25% |
| FREDERICK L. HELMICK JR.3 | 1717 ARCH STREET, SUITE 3940 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 6.75% |
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 | 1,036 | 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) | 1,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 752 | $36K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $105K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 918 | $300K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 918 | $191K |
| Other(3 contracts, 3 carriers) | AFLAC | 203 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 918 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.