| 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 | — | $4K | $4K | 9.97% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 9.97% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 19.98% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L. GOLDFISCHER | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $2K | — | $2K | 11.15% |
| CHRIS STROUD3 | 1332 MONMOUTH AVENUE TOMS RIVER, NJ 08757 | AFLAC | $474 | — | $474 | 2.96% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 10573 VERSAILLES BLVD. WELLINGTON, FL 33449 | AFLAC | $291 | — | $291 | 1.82% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $244 | — | $244 | 1.53% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 17 OAK LN. RANDOLPH, NJ 07869 | AFLAC | $161 | — | $161 | 1.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $54 | — | $54 | 0.34% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07044 | AFLAC | $53 | — | $53 | 0.33% |
| MELISSA A SCHOFIELD3 | 5552 W NORTHWOOD DR. GLENDALE, AZ 85310 | AFLAC | $34 | — | $34 | 0.21% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE S HACKENSACK, NJ 07606 | AFLAC | $29 | — | $29 | 0.18% |
| FRED A KRESSATY3 | 155 PARISH DR. WAYNE, NJ 07470 | AFLAC | $18 | — | $18 | 0.11% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $18 | — | $18 | 0.11% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $7 | — | $7 | 0.04% |
| MARILYN GOLDFISCHER3 | 124 WEST SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $496 | — | $496 | 10.46% |
| CHRISTOPHER STROUD3 | 1332 MONMOUTH AVE TOMS RIVER, NJ 08757 | AFLAC | $179 | — | $179 | 3.78% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $93 | — | $93 | 1.96% |
| JOSHUA P SAUNDERS3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $47 | — | $47 | 0.99% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $27 | — | $27 | 0.57% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 151 | $122K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $29K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $65K |
| Short-term disability(2 contracts) | AFLAC | 18 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $40K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.