| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA | $4K | — | $4K | 8.02% |
| EMERSON REID LLC3 | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA | $2K | — | $2K | 5.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 14.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 15.10% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $915 | $3K | 15.10% |
| WAYNE I CHRISTIE3 | 1 DOBSON RD. EAST BRUNSWICK, NJ 08816 | AFLAC | $1K | $695 | $2K | 18.77% |
| KEVIN J NIEDERAUER3 | 22 NASHAWAY DR. RINGLES, NJ 08551 | AFLAC | $269 | $3 | $272 | 2.45% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DR., APT 4A BAYSIDE, NY 11360 | AFLAC | $179 | — | $179 | 1.61% |
| JOSHUA P SAUNDERS3 | 17 OAK LN. RANDOLPH, NJ 07869 | AFLAC | $114 | — | $114 | 1.03% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA SAUNDERS | 150 ALLEN RD., STE. 110 BASKING RIDGE, NJ 07920 | AFLAC | $97 | $3 | $100 | 0.90% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN. RANDOLPH, NJ 07869 | AFLAC | $34 | — | $34 | 0.31% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46, STE. H119 FAIRFIELD, NJ 07004 | AFLAC | $6 | — | $6 | 0.05% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $5 | — | $5 | 0.05% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D ADOSTINO | 87A BOORAEM AVE. JERSEY CITY, NJ 07307 | AFLAC | $5 | — | $5 | 0.05% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | HIGHMARK INC. | $594 | — | $594 | 6.08% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $944 | $454 | $1K | 14.80% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 89 | $49K |
| Vision | HIGHMARK INC. | 77 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $18K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $24K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.