| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE CO. | — | $78K | $78K | 5.02% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| STUART MIGDON3 | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 070951003 | VISION SERVICE PLAN | $1K | — | $1K | 5.25% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 27.11% |
| 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 | — | $853 | $853 | 4.31% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $149 | $149 | 0.75% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| VINCENT M MORELLI3 | 746 5TH ST LYNDHURST, NJ 07071 | AFLAC | $243 | $13 | $256 | 2.69% |
| LESLEY ANN KEENAN3 Filed as: LESLEY KEENAN | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $201 | — | $201 | 2.11% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | AFLAC | $101 | — | $101 | 1.06% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE CT ATCO, NJ 08004 | AFLAC | $76 | — | $76 | 0.80% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $42 | — | $42 | 0.44% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $27 | — | $27 | 0.28% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N DIAZ | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $20 | — | $20 | 0.21% |
| MELISSA A SCHOFIELD3 | 11620 N 39TH ST PHOENIX, AZ 85028 | AFLAC | $19 | — | $19 | 0.20% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N DIAZ | 605 UNIVERSE BLVD APT T816 JUNO BEACH, FL 33408 | AFLAC | $14 | — | $14 | 0.15% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $12 | — | $12 | 0.13% |
| GEORGE PADRON3 | 932 E VOLK LN SAN TAN VALLEY, AA 85140 | AFLAC | $10 | — | $10 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $10 | — | $10 | 0.10% |
| GEORGE PADRON3 | 11 S CENTRAL AVE APT 2115 PHOENIX, AA 85004 | AFLAC | $7 | — | $7 | 0.07% |
| MICHAEL DZIUBA3 | 2 FRANCES ST CLIFTON, NJ 07014 | AFLAC | $4 | $2 | $6 | 0.06% |
| DAVID GROSSMAN3 Filed as: DAVID A IANNACONE | 22 RIDGE RD LYNDHURST, NJ 07071 | AFLAC | $4 | $2 | $6 | 0.06% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $5 | — | $5 | 0.05% |
| DYLAN FRANCIS MONEFORTE3 | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $4 | — | $4 | 0.04% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA ROTON, FL 33487 | AFLAC | $4 | — | $4 | 0.04% |
| DAVID GROSSMAN3 Filed as: DAVID A IANNACONE | 185 FAIRFIELD AVE STE 1C WEST CALDWELL, NJ 07006 | 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, NC 07307 | AFLAC | $2 | — | $2 | 0.02% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $2 | — | $2 | 0.02% |
| MELISSA A SCHOFIELD3 | 932 E VOLK LN SAN TAN VALLEY, AZ 85140 | AFLAC | $2 | — | $2 | 0.02% |
| TOMAS FLORES3 | 1265 15TH ST APT 16G FORT LEE, NJ 07024 | 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 | — | $1K | 26.11% |
| 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 | — | $217 | $217 | 4.07% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL | 1125 NW COUCH ST STE 900 PORTLAND, OH 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $186 | $186 | 3.49% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $308 | $50 | $358 | 33.18% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $40 | $40 | 3.71% |
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 | 171 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 220 | $1.6M |
| Dental | AETNA LIFE INSURANCE CO. | 220 | $1.6M |
| Vision | VISION SERVICE PLAN | 103 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $31K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40 | $21K |
| Long-term disability(3 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 14 | $26K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.