| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SABATO FINANCIAL, LLC3 | 88 HARRISON AVENUE ROSELAND, NJ 07068 | SUN LIFE FINANCIAL | $727 | — | $727 | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVENUE-SUITE S229 WHITE PLAINS, NY 10604 | SUN LIFE FINANCIAL | $321 | — | $321 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOSEPH P. CALABRO EIN 22-7051778 ASSISTANT ADMINISTRATOR | Plan Administrator Service code 14 | 1149 BLOOMFIELD AVENUE CLIFTON, NJ 07012 | $195K |
| GEORGE SERIO EIN 22-7051778 EMPLOYEE | Employee (plan) Service code 30 | 1149 BLOOMFIELD AVENUE CLIFTON, NJ 07012 | $170K |
| CHRISTINE FAWCETT EIN 22-7051778 EMPLOYEE | Employee (plan) Service code 30 | 1149 BLOOMFIELD AVENUE CLIFTON, NJ 07012 | $96K |
| DONNA CERNIGLIA EIN 22-7051778 EMPLOYEE | Employee (plan) Service code 30 | 1149 BLOOMFIELD AVENUE CLIFTON, NJ 07012 | $77K |
| JOANN CATALDO EIN 22-7051778 EMPLOYEE | Employee (plan) Service code 30 | 1149 BLOOMFIELD AVENUE CLIFTON, NJ 07012 | $64K |
| CELESTE CALABRO EIN 22-7051778 EMPLOYEE | Employee (plan) Service code 30 | 1149 BLOOMFIELD AVENUE CLIFTON, NJ 07012 | $55K |
| CARELLA BYRNE EIN 22-2045935 LEGAL | Legal Service code 29 | 5 BECKER FARM ROAD ROSELAND, NJ 070681783 | $50K |
| ANTHONY PINADELLA EIN 15-4623634 CLAIMS REVIEW | Other services Service code 49 | 1149 BLOOMFIELD AVENUE CLIFTON, NJ 07012 | $45K |
| MORGAN STANLEY SMITH BARNEY EIN 13-1912900 INVESTMENT MANAGEMENT | Investment management Service code 28 | JOHN LONGO 31 WEST 52ND STREET NEW YORK, NY 10019 | $14K |
| ANDREA BURGESS EIN 22-7051778 EMPLOYEE | Employee (plan) Service code 30 | 1149 BLOOMFIELD AVENUE CLIFTON, NJ 07012 | $9K |
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 | 2,402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 207 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE FINANCIAL | 10 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10 | — |
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."
No prospect flags tripped on this filing.