| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE CO | $32K | — | $32K | 1.90% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $67K | — | $67K | 4.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES NY LLC | 340 MADSION AVE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY US | — | $15K | $15K | 1.11% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY # 2-125 AUSTIN, TX 78746 | SUN LIFE AND HEALTH INSURANCE COMPANY US | — | $5K | $5K | 0.35% |
| STUART MIGDON3 | 900 ROUTE 9 N STE 503 WOODBRIDGE, NJ 07095 | KAISER FOUNDATION HEALTH PLANS INC | $32K | — | $32K | 3.01% |
| STUART MIGDON3 | 900 ROUTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | KAISER FOUNDATION HEALTH PLANS INC | $31K | — | $31K | 3.02% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 0.98% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $10K | — | $10K | 1.71% |
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE CO | $16K | — | $16K | 3.23% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 1.31% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 US HIGHWAY 9 N SUITE 503 WOODBRIDGE, NJ 07095 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 1.90% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE CO OF NEW YORK | $4K | — | $4K | 2.17% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.41% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 7.26% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $3K | — | $3K | 8.08% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $2K | $186 | $3K | 7.09% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $1K | $274 | $1K | 3.52% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $417 | $47 | $464 | 1.23% |
| MICHAEL J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $241 | $182 | $423 | 1.13% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $260 | $69 | $329 | 0.88% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $58 | $36 | $94 | 0.25% |
| ANDREW JAMIN GRIMSLEY3 | 111 RAMBLING CREEK DR SE SAINT MICHAEL, MN 55376 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $44 | — | $44 | 0.12% |
| TAMMY M DAHLBERG3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $26 | — | $26 | 0.07% |
| TR INSURANCE ADVISORS INC3 Filed as: TR INSURANCE ADVISERS INC | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $26 | — | $26 | 0.07% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE AND ACCIDENT INURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSOR | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $2.3M |
| STUART MIGDON BROKER | Securities brokerage commissions and fees Service code 71 | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | $161K |
| CIGNA | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $0 |
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 | 5,610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLANS INC | 191 | $2.1M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 4,490 | $2.4M |
| Vision | UNTITED HEALTHCARE INSURANCE COMPANY | 2,331 | $198K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 5,415 | $735K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,943 | $426K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 3,627 | $563K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY US | 3,186 | $1.4M |
| Other(4 contracts, 4 carriers) | CIGNA LIFE INSURANCE CO OF NEW YORK | 5,415 | $503K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,415 | — |
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.