| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN METRO LLC | 1201 NEW ROAD STE 230 LINWOOD, NJ 08221 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 0.99% |
| DAVIS J RIEMAN JR3 | 108 ARMOUR RD MAHWAH, NJ 07430 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.12% |
| ACRISURE LLC3 | 582 E 36TH AVE STE 304 PARSIPPANY, NJ 07054 | AFLAC | $5K | — | $5K | 4.38% |
| ELAINE GAUDY3 | 10 FOXWOOD DR APT A MORRIS PLAINS, NJ 07950 | AFLAC | $2K | $44 | $2K | 2.30% |
| DAVID M KLEINHANDLER3 | 73 HILLANDALE RD RYE BROOK, NY 10573 | AFLAC | $928 | — | $928 | 0.89% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 4500 PARK GRANADA STE 202 CALABASAS, CA 91302 | AFLAC | $604 | — | $604 | 0.58% |
| RUMIL CORPORATION3 | 8888 NW 2ND ST CORAL SPRINGS, FL 33071 | AFLAC | $379 | — | $379 | 0.37% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $352 | — | $352 | 0.34% |
| MARITZA SANTIAGO3 | 1330 KEARNEY AVE FL 2 BRONX, NY 10465 | AFLAC | $324 | — | $324 | 0.31% |
| ECHO NEO NINJA INS SOLUTIONS3 | 4500 PARK GRANADA STE 202 CALABASAS, CA 91302 | AFLAC | $304 | — | $304 | 0.29% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR NEW ROCHELLE, NY 10804 | AFLAC | $261 | — | $261 | 0.25% |
| DYMOND INC3 | 180 W 93RD ST APT 6B NEW YORK, NY 10025 | AFLAC | $259 | — | $259 | 0.25% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $213 | — | $213 | 0.21% |
| JOSHUA P SAUNDERS3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $163 | — | $163 | 0.16% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEXT RD COLTS NECK, NJ 07722 | AFLAC | $146 | — | $146 | 0.14% |
| MELISSA A SCHOFIELD3 | 5552 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $133 | — | $133 | 0.13% |
| RACHAEL A SHARPLESS3 | 12220 SW ROMA CIR PORT ST LUCIE, FL 34987 | AFLAC | $103 | — | $103 | 0.10% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA SAUNDERS | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $79 | $10 | $89 | 0.09% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $62 | — | $62 | 0.06% |
| GEORGE E ARBID3 | 25728 LEWIS WAY STEVENSON RANCH, CA 91381 | AFLAC | $53 | — | $53 | 0.05% |
| KCI FINANCIAL SERV. INC3 | 16273 SW 9TH ST. PEMBROKE PINES, FL 33027 | AFLAC | $53 | — | $53 | 0.05% |
| 3 ZING INC3 | 2598 E SUNRISE BLVD STE 2104 FT LAUDERDALE, FL 33304 | AFLAC | $48 | — | $48 | 0.05% |
| MICHAEL JESUS NARANJO-ZUNIGA3 | 12857 HERRICK AVE SYLMAR, CA 91342 | AFLAC | $44 | — | $44 | 0.04% |
| MICHAEL T REYES3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $39 | — | $39 | 0.04% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N DIAZ | 1205 HILLSBORO MILE #203 HILLSBORO BEACH, FL 33062 | AFLAC | $37 | — | $37 | 0.04% |
| RAQUEL PEPILASCOV3 | 222 SAN TROPEZ CT LAGUNA BEACH, CA 92651 | AFLAC | $31 | — | $31 | 0.03% |
| TOMAS E FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07042 | AFLAC | $26 | — | $26 | 0.03% |
| LEE P COHEN3 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $23 | — | $23 | 0.02% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $21 | — | $21 | 0.02% |
| DAVID SMITH3 Filed as: DAVID MATTHEW SMITH | 2001 E FINANCIAL WAY STE 200 GLENDORA, CA 91741 | AFLAC | $17 | — | $17 | 0.02% |
| RICHARD DEGENNARO3 | 662 BROOKSIDE DR BELFORD, NJ 07718 | AFLAC | $16 | — | $16 | 0.02% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $14 | — | $14 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $11 | — | $11 | 0.01% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $10 | — | $10 | 0.01% |
| AARON D MCGOVERN3 | 1794 AVENIDA REGINA SAN MARCOS, CA 92069 | AFLAC | $9 | — | $9 | 0.01% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $8 | — | $8 | 0.01% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $7 | — | $7 | 0.01% |
| FRED A KRESSATY3 | 155 PARISH DR WAYNE, NJ 07470 | AFLAC | $5 | — | $5 | 0.00% |
| DANIEL A VERDUN3 | 4 JASON LN MARRISTOWN, NJ 07960 | AFLAC | $5 | — | $5 | 0.00% |
| DOREEN J KRESSATY3 | 155 PARISH DR WAYNE, NJ 07470 | AFLAC | $5 | — | $5 | 0.00% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $5 | — | $5 | 0.00% |
| J W GRIMES INC3 | 8033 SPLENDOR WAY COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.00% |
| MICHAEL S CHILLE3 | 9100 CONROY-WINDERMERE RD SUITE 200 WINDERMERE, FL 34786 | AFLAC | $3 | — | $3 | 0.00% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $2 | — | $2 | 0.00% |
| SUWAT ASSAWAMATIYANONT3 | 7294 PANACHE WAY BOCA RATON, FL 33433 | AFLAC | $2 | — | $2 | 0.00% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | — | $1 | 0.00% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MR ARLINGTON, NJ 07856 | AFLAC | $1 | — | $1 | 0.00% |
| JUAN C FERLINI3 | 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.00% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $1 | — | $1 | 0.00% |
| JULIO E ZURITA3 | 273 VALLEY RD RIVER EDGE, NJ 07661 | AFLAC | $1 | — | $1 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GROUP BENEFITS AND | ADMINISTRATION 23 VREELAND ROAD, SUITE 180 FLORHAM PARK, NJ 07932 | HEARTLAND | $2K | — | $2K | 10.23% |
| ACRISURE LLC3 | 582 E 36TH AVE STE 304 PARSIPPANY, NJ 07054 | AFLAC | $37 | — | $37 | 6.02% |
| ELAINE GAUDY3 | 10 FOXWOOD DR APT A MORRIS PLAINS, NJ 07950 | AFLAC | $27 | — | $27 | 4.39% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $6 | — | $6 | 0.98% |
| JOSHUA P SAUNDERS3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $1 | — | $1 | 0.16% |
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 | 286 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 849 | $1.5M |
| Vision | HEARTLAND | 468 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $222K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $222K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 849 | $1.5M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.