| 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 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 18.39% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L. GOLDFISCHER | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | AFLAC | $2K | $115 | $2K | 10.85% |
| CHRIS STROUD3 | 1332 MONMOUTH AVENUE TOMS RIVER, NJ 08757 | AFLAC | $535 | $27 | $562 | 3.41% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 10573 VERSAILLES BLVD. WELLINGTON, FL 33449 | AFLAC | $285 | — | $285 | 1.73% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 17 OAK LN. RANDOLPH, NJ 07869 | AFLAC | $251 | $27 | $278 | 1.69% |
| MATTHEW G BERGER3 | 10 UNION AVE. APT 302 BALA CYNWYD, PA 19004 | AFLAC | $234 | — | $234 | 1.42% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07044 | AFLAC | $53 | — | $53 | 0.32% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $52 | — | $52 | 0.32% |
| MELISSA A SCHOFIELD3 | 5552 W NORTHWOOD DR. GLENDALE, AZ 85310 | AFLAC | $33 | — | $33 | 0.20% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE S HACKENSACK, NJ 07606 | AFLAC | $28 | — | $28 | 0.17% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $18 | — | $18 | 0.11% |
| FRED A KRESSATY3 | 155 PARISH DR. WAYNE, NJ 07470 | AFLAC | $17 | — | $17 | 0.10% |
| 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 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $218 | $47 | $265 | 9.20% |
| CHRISTOPHER STROUD3 | 1332 MONMOUTH AVE TOMS RIVER, NJ 08757 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $100 | $7 | $107 | 3.71% |
| JOSHUA P SAUNDERS3 | 17 OAK LN RANDOLPH, NJ 07869 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $23 | $7 | $30 | 1.04% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NEW YORK | $27 | — | $27 | 0.94% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 226 | $163K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $49K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 337 | $97K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 18 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $53K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.