| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 117883914 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.54% |
| MARILY GOLDFISCHER3 | 124 WEST SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $2K | $209 | $3K | 7.70% |
| ZORN BENEFITS GROUP LLC3 Filed as: ZORN BENEFITS GROUP, LLC | 179 S GLEN ROAD KINNELON, NJ 07405 | AFLAC | $2K | $127 | $2K | 5.63% |
| CHRISTOPHER STROUD3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $685 | $58 | $743 | 2.17% |
| MATHEW G. BERGER3 | 22 SUNNYRIDGE ROAD, 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $509 | — | $509 | 1.49% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $272 | $12 | $284 | 0.83% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $209 | — | $209 | 0.61% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 07055 | AFLAC | $132 | — | $132 | 0.39% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN ROAD PHOENIX, AZ 85023 | AFLAC | $46 | — | $46 | 0.13% |
| NICHOLAS DUCHENSKY3 | 1300 FAYETTE ST APT 303 CONSHOHOCKEN, PA 19428 | AFLAC | $44 | — | $44 | 0.13% |
| JENISE RUSSO3 | 97 THE CIR PASSAIC, NC 07055 | AFLAC | $43 | — | $43 | 0.13% |
| FRED A KRESSATY3 | 155 PARISH DR WAYNE, NJ 07470 | AFLAC | $26 | — | $26 | 0.08% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $19 | — | $19 | 0.06% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NC 07417 | AFLAC | $11 | — | $11 | 0.03% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $10 | — | $10 | 0.03% |
| SCOTT A MIZENKO3 | 19 STATION RD COLUMBIA, NJ 07832 | AFLAC | $9 | — | $9 | 0.03% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NC 07401 | AFLAC | $7 | — | $7 | 0.02% |
| JONATHAN TORRES3 | 60 US HIGHWAY 46 FAIRFIELD, NC 07004 | AFLAC | $6 | — | $6 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $6 | — | $6 | 0.02% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY SANKA | 861 VOORHEES AVE MIDDLESEX, NJ 08846 | AFLAC | $5 | — | $5 | 0.01% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $5 | — | $5 | 0.01% |
| MELISSA A SCHOFIELD3 | 932 E VOLK LN SAN TAN VALLEY, AZ 85140 | AFLAC | $4 | — | $4 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $4 | — | $4 | 0.01% |
| GIULIO A PADOVANI3 | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $4 | — | $4 | 0.01% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $4 | — | $4 | 0.01% |
| ANN PREGNER3 | P O BOX 248 OLDWICK, NJ 08858 | AFLAC | $2 | — | $2 | 0.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 117883914 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.53% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 23.19% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 124 W SADDLE RIVER RD SADDLE RIVER, NJ 07458 | AFLAC | $665 | — | $665 | 14.34% |
| CHRIS STROUD3 | 137 ORIENT WAY APT 3B RUTHERFORD, NJ 07070 | AFLAC | $158 | — | $158 | 3.41% |
| MICHAEL P ZORN3 | 179 S GLEN RD KINNELON, NJ 07405 | AFLAC | $139 | — | $139 | 3.00% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE S HACKENSACK, NJ 07606 | AFLAC | $76 | — | $76 | 1.64% |
| CHRIS STROUD3 | 120 SMITHTOWN RD HACKETTSTOWN, NJ 07840 | AFLAC | $30 | — | $30 | 0.65% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 134 | $107K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $26K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $56K |
| Short-term disability(2 contracts) | AFLAC | 37 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $35K |
| Other(3 contracts, 2 carriers) | AFLAC | 198 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.