| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 8.42% |
| PROFESSIONAL GROUP PLANS INC3 | 700 CANAL STREET STE 1 STAMFORD, CT 06902 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 22.84% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 8.22% |
| MARILYN GOLDFISCHER3 | 124 WEST SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $706 | $51 | $757 | 3.21% |
| ZORN BENEFITS GROUP LLC3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $640 | $17 | $657 | 2.79% |
| CHRISTOPHER STROUD3 | 1332 MONMOUTH AVE TOMS RIVER, NJ 08757 | AFLAC | $336 | $17 | $353 | 1.50% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $347 | — | $347 | 1.47% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $122 | — | $122 | 0.52% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $95 | — | $95 | 0.40% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $77 | — | $77 | 0.33% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $59 | $17 | $76 | 0.32% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $43 | — | $43 | 0.18% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $42 | — | $42 | 0.18% |
| NICHOLAS DUCHENSKY3 | 1300 FAYETTE ST APT 303 CONSHOHOCKEN, PA 19428 | AFLAC | $25 | — | $25 | 0.11% |
| FRED A KRESSATY3 | 155 PARISH DR WAYNE, NJ 07470 | AFLAC | $22 | — | $22 | 0.09% |
| MICHAEL P ZORN3 | 40 W FRANKLIN AVE STE 1 PEQUANNOCK, NJ 07440 | AFLAC | $17 | $4 | $21 | 0.09% |
| JENISE RUSSO3 | 97 THE CIR PASSAIC, NJ 07055 | AFLAC | $16 | — | $16 | 0.07% |
| SCOTT A MIZENKO3 | 19 STATION RD COLUMBIA, NJ 07832 | AFLAC | $10 | — | $10 | 0.04% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $8 | — | $8 | 0.03% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $8 | — | $8 | 0.03% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $7 | — | $7 | 0.03% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $6 | — | $6 | 0.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $5 | — | $5 | 0.02% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $2 | — | $2 | 0.01% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY SANKA | 861 VOORHEES AVE MIDDLESEX, NJ 08846 | AFLAC | $2 | — | $2 | 0.01% |
| GIULIO A PADOVANI3 | 9 QUAIL CT BASKING RIDGE, NJ 07920 | AFLAC | $2 | — | $2 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $1 | — | $1 | 0.00% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $1 | — | $1 | 0.00% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 124 W SADDLE RIVER RD SADDLE RIVER, NJ 07458 | AFLAC | $261 | — | $261 | 5.26% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $151 | — | $151 | 3.04% |
| CHRIS STROUD3 | 1332 MONMOUTH AVE TOMS RIVER, NJ 08757 | AFLAC | $141 | — | $141 | 2.84% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $29 | — | $29 | 0.58% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 134 | $94K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $31K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $62K |
| Short-term disability(2 contracts) | AFLAC | 20 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $35K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.