| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARILY GOLDFISCHER3 | 124 WEST SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $5K | $102 | $5K | 10.70% |
| ZORN BENEFITS GROUP LLC3 Filed as: ZORN BENEFITS GROUP, LLC | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $3K | $81 | $4K | 7.38% |
| MJ INSURANCE3 Filed as: AARON B BERG AND VARIOUS AGENTS | 100 VALLEY ROAD, SUITE 101 MOUNT ARLINGTON, NJ 07856 | AFLAC | $1K | $7 | $1K | 2.27% |
| MATHEW G. BERGER3 | 22 SUNNYRIDGE ROAD, 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $745 | — | $745 | 1.55% |
| CHRISTOPHER STROUD3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $683 | $20 | $703 | 1.47% |
| CHRISTOPHER STROUD3 | 120 SMITHTOWN ROAD HACKETTSTOWN, NJ 07840 | AFLAC | $452 | — | $452 | 0.94% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $399 | — | $399 | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $7K | 14.56% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 152 | $170K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $45K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $112K |
| Short-term disability | AFLAC | 37 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $67K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 458 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.