| 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 | — | $2K | $2K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 20.36% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $404 | — | $404 | 2.82% |
| MARILYN GOLDFISCHER3 | 124 WEST SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $340 | — | $340 | 2.37% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $247 | — | $247 | 1.72% |
| CHRISTOPHER STROUD3 | 1332 MONMOUTH AVE TOMS RIVER, NJ 08757 | AFLAC | $176 | — | $176 | 1.23% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $80 | — | $80 | 0.56% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $63 | — | $63 | 0.44% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $46 | — | $46 | 0.32% |
| MELISSA A SCHOFIELD3 | 5552 W NORTHWOOD DR. GLENDALE, AZ 85310 | AFLAC | $32 | — | $32 | 0.22% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $18 | — | $18 | 0.13% |
| FRED A KRESSATY3 | 155 PARISH DR WAYNE, NJ 07470 | AFLAC | $16 | — | $16 | 0.11% |
| SCOTT A MIZENKO3 | 19 STATION RD COLUMBIA, NJ 07832 | AFLAC | $8 | — | $8 | 0.06% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $6 | — | $6 | 0.04% |
| JENISE RUSSO3 | 97 THE CIR PASSAIC, NJ 07055 | AFLAC | $3 | — | $3 | 0.02% |
| TARA D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $3 | — | $3 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $3 | — | $3 | 0.02% |
| GREGORY P TARRIS3 | 103 GREENWAY ALLENDALE, NJ 07401 | AFLAC | $2 | — | $2 | 0.01% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L. GOLDFISCHER | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $241 | — | $241 | 4.86% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 10573 VERSAILLES BLVD. WELLINGTON, FL 33449 | AFLAC | $139 | — | $139 | 2.80% |
| CHRIS STROUD3 | 1332 MONMOUTH AVENUE TOMS RIVER, NJ 08757 | AFLAC | $130 | — | $130 | 2.62% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE S HACKENSACK, NJ 07606 | AFLAC | $27 | — | $27 | 0.54% |
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 | 218 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 152 | $108K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $64K |
| Short-term disability(2 contracts) | AFLAC | 18 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $37K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.