| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE CO. | $61K | — | $61K | 5.05% |
| STUART MIGDON3 | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 070951003 | VISION SERVICE PLAN | $1K | — | $1K | 5.24% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 59.58% |
| GREENBERG & RAPP FINANCIAL GROUP3 Filed as: GREENBERG, RONALD, JULIAN | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $984 | $984 | 9.88% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $393 | $393 | 3.94% |
| VINCENT M MORELLI3 | 746 5TH ST LYNDHURST, NJ 07071 | AFLAC | $308 | — | $308 | 3.36% |
| LESLEY ANN KEENAN3 Filed as: LESLEY KEENAN | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $184 | — | $184 | 2.01% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | AFLAC | $132 | — | $132 | 1.44% |
| WILLIAM JOHNSON3 | 471 WATERFORDS ADGE CT ATCO, NJ 08004 | AFLAC | $76 | — | $76 | 0.83% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $42 | — | $42 | 0.46% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N DIAZ | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $35 | — | $35 | 0.38% |
| LESLEY ANN KEENAN3 Filed as: LESLEY KEENAN | 4531 CADIZ CIR PALM BEACH GARDENS, FL 33418 | AFLAC | $17 | — | $17 | 0.19% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $17 | — | $17 | 0.19% |
| DAVID GROSSMAN3 Filed as: DAVID A IANNACONE | 22 RIDGE RD LYNDHURST, NJ 07071 | AFLAC | $15 | — | $15 | 0.16% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $12 | — | $12 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAY, GA 30152 | AFLAC | $10 | — | $10 | 0.11% |
| MICHAEL DZIUBA3 | 2 FRANCES ST CLIFTON, NC 07014 | AFLAC | $9 | — | $9 | 0.10% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $8 | — | $8 | 0.09% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $4 | — | $4 | 0.04% |
| GEORGE PADRON3 | 932 E VOLK LN SAN TAN VALLEY, AZ 85140 | AFLAC | $3 | — | $3 | 0.03% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $2 | — | $2 | 0.02% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $2 | — | $2 | 0.02% |
| MELISSA A SCHOFIELD3 | 11620 N 39TH ST PHOENIX, AZ 85028 | AFLAC | $2 | — | $2 | 0.02% |
| MELISSA A SCHOFIELD3 | 932 E VOLK LN SAN TAN VALLEY, AZ 85140 | AFLAC | $2 | — | $2 | 0.02% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $1 | — | $1 | 0.01% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $261 | $2K | 58.75% |
| GREENBERG & RAPP FINANCIAL GROUP3 Filed as: GREENBERG, RONALD, JULIAN | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $261 | $261 | 9.80% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $104 | $104 | 3.90% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $241 | $96 | $337 | 68.78% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $19 | $19 | 3.88% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 199 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 199 | $1.2M |
| Vision | VISION SERVICE PLAN | 96 | $22K |
| Short-term disability | AFLAC | 11 | $9K |
| Long-term disability(3 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 14 | $13K |
| Other | AFLAC | 11 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.