| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.91% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.73% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.74% |
| ALEXANDER A KONOVALOV3 | 121 LINDEN DRIVE BASKING RIDGE, NJ 07920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 10.35% |
| ELAINE GAUDY3 | 159 LAUREL AVENUE WEST KEANSBURG, NJ 07734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.67% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $764 | — | $764 | 0.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $2K | $320 | $3K | 10.63% |
| AON CONSULTING INC3 | 200 EAST RANDOLPH STREET SUITE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $27 | $27 | 0.11% |
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 | 916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 1,640 | $433K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 746 | $78K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 908 | $204K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 713 | $389K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 908 | $204K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 908 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,640 | — |
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."
No prospect flags tripped on this filing.