| 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 | 8.60% |
| MARILY GOLDFISCHER3 | 124 WEST SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $2K | $138 | $2K | 6.83% |
| ZORN BENEFITS GROUP LLC3 Filed as: ZORN BENEFITS GROUP, LLC | 179 S GLEN ROAD KINNELON, NJ 07405 | AFLAC | $1K | $59 | $1K | 4.39% |
| CHRISTOPHER STROUD3 | 1332 MONMOUTH AVE TOMS RIVER, NJ 08757 | AFLAC | $728 | $39 | $767 | 2.43% |
| MATHEW G. BERGER3 | 22 SUNNYRIDGE ROAD, 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $367 | — | $367 | 1.16% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $238 | — | $238 | 0.75% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $120 | $39 | $159 | 0.50% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $142 | — | $142 | 0.45% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $102 | — | $102 | 0.32% |
| MICHAEL P ZORN3 | 40 W FRANKLIN AVE. STE 1 PEQUANNOCK, NJ 07440 | AFLAC | $94 | — | $94 | 0.30% |
| NICHOLAS DUCHENSKY3 | 1300 FAYETTE ST APT 303 CONSHOHOCKEN, PA 19428 | AFLAC | $56 | — | $56 | 0.18% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN ROAD PHOENIX, AZ 85023 | AFLAC | $43 | — | $43 | 0.14% |
| JENISE RUSSO3 | 97 THE CIR PASSAIC, NJ 07055 | AFLAC | $22 | — | $22 | 0.07% |
| FRED A KRESSATY3 | 155 PARISH DR WAYNE, NJ 07470 | AFLAC | $22 | — | $22 | 0.07% |
| FRED A KRESSATY3 | 155 PARISH DR WAYNE, NJ 07470 | AFLAC | $22 | — | $22 | 0.07% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | 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% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $7 | — | $7 | 0.02% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $7 | — | $7 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $6 | — | $6 | 0.02% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $4 | — | $4 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $4 | — | $4 | 0.01% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY SANKA | 861 VOORHEES AVE MIDDLESEX, NJ 08846 | AFLAC | $3 | — | $3 | 0.01% |
| JONATHAN TORRES3 | PO BOX 7016 WEST ORANGE, NJ 07052 | AFLAC | $2 | — | $2 | 0.01% |
| GIULIO A PADOVANI3 | 9 QUAIL COURT BASKING RIDGE, NJ 07920 | AFLAC | $2 | — | $2 | 0.01% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $1 | — | $1 | 0.00% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $1 | — | $1 | 0.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 117883914 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 8.60% |
| PROFESSIONAL GROUP PLANS INC3 | 700 CANAL STREET STE 1 STAMFORD, CT 06902 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $7K | 23.22% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 124 W SADDLE RIVER RD SADDLE RIVER, NJ 07458 | AFLAC | $330 | $68 | $398 | 8.75% |
| CHRIS STROUD3 | 1332 MONMOUTH AVE APT 3B TOMS RIVER, NJ 08757 | AFLAC | $143 | $14 | $157 | 3.45% |
| MICHAEL P ZORN3 | 40 W FRANKLIN AVE. STE 1 PEQUANNOCK, NJ 07440 | AFLAC | $139 | — | $139 | 3.06% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE S HACKENSACK, NJ 07606 | AFLAC | $37 | $14 | $51 | 1.12% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 141 | $112K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $28K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $57K |
| Short-term disability(2 contracts) | AFLAC | 35 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $34K |
| Other(3 contracts, 2 carriers) | AFLAC | 202 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.