| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 1.85% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.44% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.46% |
| ALEXANDER A KONOVALOV3 | 121 LINDEN DRIVE BASKING RIDGE, NJ 07920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 10.69% |
| ANDREA FORD3 | 26 MOUNTAIN COURT BEDMINSTER, NJ 07921 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.59% |
| ELAINE GAUDY3 | 159 LAUREL AVENUE WEST KEANSBURG, NJ 07734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $942 | — | $942 | 0.73% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 08807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $642 | — | $642 | 0.49% |
| JOSHUA PAUL GROUP INC3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $528 | — | $528 | 0.41% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA SAUNDERS | 17 OAK LANE RANDOLPH, NJ 07869 | CONTINENTAL AMERICAN INSURANCE COMPANY | $475 | — | $475 | 0.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $4K | $746 | $4K | 12.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 E RANDOLPH STREET CHICAGO, IL 606016420 | METLIFE LEGAL PLANS | — | $157 | $157 | 0.43% |
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 | 962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 1,901 | $628K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,917 | $91K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,167 | $294K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 933 | $689K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,167 | $338K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,167 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,917 | — |
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.