| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | $0 | $72K | 4.75% |
| ADVOCATE, INC.3 | PMB 97880 NEW YORK, NY 10003 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 3.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 2.00% |
| ANDREA MARIE FORD3 | 26 MOUNTAIN COURT BEDMINSTER, NJ 07921 | AFLAC | $4K | $196 | $4K | 9.17% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $787 | $113 | $900 | 1.97% |
| EUGENE ZAPIN3 Filed as: EUGENE KUNTOROVSKY | 500 FASHION AVENUE, 8TH FLOOR NEW YORK, NY 10018 | AFLAC | $479 | $75 | $554 | 1.21% |
| CHRISTINE MARIE SCHOENFELD3 | 34 WALNUT CIRCLE BASKING RIDGE, NJ 07920 | AFLAC | $30 | $0 | $30 | 0.07% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 10573 VERSAILLES BOULEVARD WELLINGTON, FL 33449 | AFLAC | $9 | $0 | $9 | 0.02% |
| KIMBERLY SANKA AND OTHER AGENTS3 | 861 VOORHEES AVENUE MIDDLESEX, NJ 08846 | AFLAC | $6 | $0 | $6 | 0.01% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46, SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $5 | $0 | $5 | 0.01% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 303 | $107K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 303 | $107K |
| Life insurance | AFLAC | 26 | $46K |
| Short-term disability | AFLAC | 26 | $46K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $1.5M |
| Other | AFLAC | 26 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.