| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE COMPANY | $33K | — | $33K | 2.03% |
| STUART MIGDON3 | 900 ROUTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | KAISER FOUNDATION HEALTH PLANS INC | $33K | — | $33K | 3.03% |
| STUART MIGDON3 | 900 ROUTE 9 N STE 503 WOODBRIDGE, NJ 070951003 | KAISER FOUNDATION HEALTH PLANS INC | $26K | — | $26K | 3.01% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 1.12% |
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $15K | — | $15K | 3.19% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 1.86% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $71K | $4K | $75K | 16.71% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.46% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 1.74% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.01% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.81% |
| MIGDON, STUART, M3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.80% |
| 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 | $689 | — | $689 | 1.30% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $15 | $5K | 10.56% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $11K | $225 | $11K | 22.93% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $8 | $5K | 11.88% |
| 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 | 7.31% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $30 | $1K | 3.16% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $774 | $40 | $814 | 2.15% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $16 | $349 | 0.92% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | $14 | $206 | 0.54% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $28 | $101 | 0.27% |
| TR INSURANCE ADVISORS INC3 Filed as: TR INSURANCE ADVISERS INC | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.13% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $8 | $43 | 0.11% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.11% |
| JACK ALAN HENNINGSGAARD3 | 2562 LOST LAKE ROAD MOUND, MN 55364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MIGDON, STUART, M3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 14.02% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $610 | — | $610 | 6.88% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 35.13% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $216 | — | $216 | 10.78% |
| MIGDON, STUART, M3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 14.76% |
| MIGDON, STUART, M3 | 900 RT 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 11.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSOR | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | A CIGNA COMPANY HARTFORD, CT 06152 | $3.0M |
| DDMN ASO, LLC EIN 41-1905554 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | 7807 CREEKRIDGE CIR MINNEAPOLIS, MN 55439 | $32K |
| MIGDON, STUART M BROKER | Insurance agents and brokers Service code 22 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | $5K |
| BENEFIT RESOURCE,INC. EIN 84-2247659 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | 245 KENNETH DR. ROCHESTER, NY 14623 | $3K |
| CIGNA | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication 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 | 5,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLANS INC | 177 | $2.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,309 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,541 | $219K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 5,556 | $560K |
| Short-term disability(10 contracts, 3 carriers) | AFLAC | 2,079 | $1.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,967 | $463K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,954 | $1.7M |
| Other(15 contracts, 6 carriers) | AFLAC | 5,556 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,954 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.