| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE COMPANY | $31K | — | $31K | 1.86% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY | $66K | — | $66K | 4.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $13K | $13K | 0.79% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $6K | $6K | 0.38% |
| STUART MIGDON3 | 900 ROUTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | KAISER FOUNDATION HEALTH PLANS INC | $32K | — | $32K | 2.95% |
| STUART MIGDON3 | 900 ROUTE 9 N STE 503 WOODBRIDGE, NJ 070951003 | KAISER FOUNDATION HEALTH PLANS INC | $29K | — | $29K | 3.02% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 1.07% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $9K | — | $9K | 1.75% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $100K | $5K | $105K | 20.52% |
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $15K | — | $15K | 3.23% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 1.34% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 7.66% |
| MIGDON, STUART, M3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $793 | $5K | 8.65% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN TOWANA WHITEHURST 11225 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $777 | — | $777 | 1.32% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $6K | $14 | $6K | 11.90% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $6K | $92 | $6K | 12.85% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.68% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $27 | $1K | 2.95% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $776 | $69 | $845 | 2.13% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $15 | $333 | 0.84% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $24 | $207 | 0.52% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $73 | $175 | 0.44% |
| TR INSURANCE ADVISORS INC3 Filed as: TR INSURANCE ADVISERS INC | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.12% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $10 | $40 | 0.10% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.10% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| TAMMY M DAHLBERG3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $9K | $648 | $10K | 27.38% |
| MIGDON, STUART, M3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 20.36% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $734 | — | $734 | 6.97% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $722 | $153 | $875 | 19.47% |
| MIGDON, STUART, M3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $528 | $192 | $720 | 36.90% |
| MIGDON, STUART, M3 | 900 RT 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $12 | $94 | 13.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSOR | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | A CIGNA COMPANY HARTFORD, CT 06152 | $2.7M |
| STUART MIGDON BROKER | Securities brokerage commissions and fees Service code 71 | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | $159K |
| CIGNA | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | — | $3 |
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 | 4,956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 173 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLANS INC | 204 | $2.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,599 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,332 | $200K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 5,728 | $614K |
| Short-term disability(7 contracts, 2 carriers) | AFLAC | 1,545 | $1.1M |
| Long-term disability(5 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 3,798 | $625K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 3,271 | $1.6M |
| Other(8 contracts, 3 carriers) | AFLAC | 5,728 | $768K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,728 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.