| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 2.19% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.58% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.55% |
| ALEXANDER A KONOVALOV3 | 121 LINDEN DRIVE BASKING RIDGE, NJ 07920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 14.53% |
| ANDREA FORD3 Filed as: ANDREA FORD MARIE | 26 MOUNTAIN COURT BASKING RIDGE, NJ 07920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.26% |
| 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 | 1.16% |
| ELAINE GAUDY3 | 159 LAUREL AVENUE WEST KEANSBURG, NJ 07734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $3K | $423 | $3K | 12.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $91 | $91 | 0.34% |
| AON CONSULTING INC3 | 200 EAST RANDOLPH STREET SUITE 900 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | — | $35 | $35 | 0.13% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER ROAD 9TH FLOOR HOUSTON, TX 770565306 | METLIFE LEGAL PLANS | — | $1 | $1 | 0.00% |
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 | 1,105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 1,758 | $540K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,852 | $82K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,045 | $265K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 853 | $481K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,105 | $265K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,045 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,852 | — |
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.