| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $10K | 11.80% |
| RICHARD DIACONT3 | 21 IRON HORSE DRIVE RINGOES, NJ 08551 | AFLAC | $9K | $665 | $10K | 11.40% |
| BARRY M SCOFF3 Filed as: BARRY SCOFF | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $4K | $133 | $4K | 4.30% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $3K | $0 | $3K | 3.52% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $2K | $133 | $2K | 2.57% |
| MJ INSURANCE3 Filed as: MARK SCOFF AND VARIOUS AGENTS | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $196 | $0 | $196 | 0.23% |
| ANNE SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $171 | $0 | $171 | 0.20% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE, SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $111 | $0 | $111 | 0.13% |
| RICHARD DIACONT3 | 21 IRON HORSE DRIVE RINGOES, NJ 08551 | AFLAC | $7K | $496 | $8K | 9.75% |
| BARRY M SCOFF3 Filed as: BARRY SCOFF | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $3K | $106 | $3K | 3.61% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | AFLAC | $2K | $0 | $2K | 2.62% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $2K | $100 | $2K | 2.23% |
| MJ INSURANCE3 Filed as: ELAINE GUADY AND VARIOUS AGENTS | 10 FOXWOOD DRIVE, APARTMENT A MORRIS PLAINS, NJ 07950 | AFLAC | $151 | $0 | $151 | 0.19% |
| ANNE SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $69 | $0 | $69 | 0.09% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE, SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $52 | $0 | $52 | 0.07% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.37% |
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 | 556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 335 | $35K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $250K |
| Short-term disability(2 contracts) | AFLAC | 88 | $162K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $87K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.