| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.55% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $461 | — | $461 | 1.31% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 117883914 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $247 | $247 | 0.76% |
| MARILY GOLDFISCHER3 | 124 WEST SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $1K | — | $1K | 5.06% |
| ZORN BENEFITS GROUP LLC3 Filed as: ZORN BENEFITS GROUP, LLC | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $1K | — | $1K | 5.02% |
| MATHEW G. BERGER3 | 22 SUNNYRIDGE ROAD, 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $577 | — | $577 | 1.96% |
| CHRISTOPHER STROUD3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $391 | — | $391 | 1.33% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $242 | — | $242 | 0.82% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 07055 | AFLAC | $143 | — | $143 | 0.49% |
| JENISE RUSSO3 | 97 THE CIR PASSAIC, NC 07055 | AFLAC | $42 | — | $42 | 0.14% |
| NICHOLAS DUCHENSKY3 | 1300 FAYETTE ST APT 303 CONSHOHOCKEN, PA 19428 | AFLAC | $42 | — | $42 | 0.14% |
| MELISSA A SCHOFIELD3 | 932 E VOLK LN SAN TAN VALLEY, AZ 85140 | AFLAC | $31 | — | $31 | 0.11% |
| MELISSA A SCHOFIELD3 | 34 WATCH HILL DR MIDDLETOWN, CT 06457 | AFLAC | $22 | — | $22 | 0.07% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $19 | — | $19 | 0.06% |
| FRED A KRESSATY3 | 155 PARISH DR WAYNE, NJ 07470 | AFLAC | $18 | — | $18 | 0.06% |
| AARON BERG3 Filed as: AARON B BERG | 100 VALLEY ROAD, SUITE 101 MOUNT ARLINGTON, NJ 07856 | AFLAC | $16 | — | $16 | 0.05% |
| NICHOLAS DUCHENSKY3 | 2196 LANTERN LN LAFAYETTE HILL, PA 19444 | AFLAC | $15 | — | $15 | 0.05% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NC 07417 | AFLAC | $13 | — | $13 | 0.04% |
| TARA MICHELLE D AGOSTINO3 | 271 US HIGHWAY 46 STE D207 FAIRFIELD, NC 07004 | AFLAC | $11 | — | $11 | 0.04% |
| SCOTT A MIZENKO3 | 125D LAKESIDE BLVD HOPATCONG, NJ 07843 | AFLAC | $10 | — | $10 | 0.03% |
| JONATHAN TORRES3 | 60 US HIGHWAY 46 FAIRFIELD, NC 07004 | AFLAC | $9 | — | $9 | 0.03% |
| FRED A KRESSATY3 | 155 PARISH DRIVE WAYNE, NC 07470 | AFLAC | $9 | — | $9 | 0.03% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $9 | — | $9 | 0.03% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NC 07401 | AFLAC | $7 | — | $7 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DR SPARTA, NC 07871 | AFLAC | $6 | — | $6 | 0.02% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY SANKA | 861 VOORHEES AVE MIDDLESEX, NJ 08846 | AFLAC | $5 | — | $5 | 0.02% |
| TIMOTHY MCDERMOTT3 | 630 BOULEVARD SUITE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $5 | — | $5 | 0.02% |
| GIULIO A PADOVANI3 | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $4 | — | $4 | 0.01% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $4 | — | $4 | 0.01% |
| ANN PREGNER3 | P O BOX 248 OLDWICK, NJ 08858 | AFLAC | $2 | — | $2 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $1 | — | $1 | 0.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 117883914 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $205 | $205 | 0.76% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 122 | $124K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $35K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $62K |
| Short-term disability | AFLAC | 30 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $32K |
| Other(2 contracts, 2 carriers) | AFLAC | 145 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.