| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE COMPANY | $34K | — | $34K | 1.74% |
| STUART MIGDON3 | 900 ROUTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 070951003 | KAISER FOUNDATION HEALTH PLANS INC | $34K | — | $34K | 3.23% |
| STUART MIGDON3 | 900 ROUTE 9 N STE 503 WOODBRIDGE, NJ 070951003 | KAISER FOUNDATION HEALTH PLANS INC | $29K | — | $29K | 3.25% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 0.96% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 1.00% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 1.73% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $34K | $414 | $34K | 9.98% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 1.55% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.95% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.02% |
| MIGDON, STUART, M3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $90 | $3K | 5.32% |
| 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 | $793 | — | $793 | 1.24% |
| MIGDON, STUART, M3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $921 | $8K | 15.67% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $13K | $255 | $13K | 30.46% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $4K | $48 | $4K | 11.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.46% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $719 | $3 | $722 | 2.22% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $620 | $3 | $623 | 1.92% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | $1 | $307 | 0.94% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $1 | $174 | 0.54% |
| TR INSURANCE ADVISORS INC3 Filed as: TR INSURANCE ADVISERS INC | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.14% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $2 | $44 | 0.14% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $1 | $20 | 0.06% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.06% |
| JACK ALAN HENNINGSGAARD3 | 2562 LOST LAKE ROAD MOUND, MN 55364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $39 | $3K | 11.90% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $382 | — | $382 | 6.91% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $519 | $164 | $683 | 17.23% |
| MIGDON, STUART, M3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $649 | $121 | $770 | 33.79% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $174 | — | $174 | 11.10% |
| MIGDON, STUART, M3 | 900 RT 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $4 | $100 | 10.21% |
| MIGDON, STUART, M3 | 900 RT 9 N STE 503 WOODBRIDGE, NC 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $227 | $43 | $270 | 30.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUANTUM HEALTH HEALTH ADVOCATE | Other services; Participant communication; Contract Administrator; Direct payment from the plan Service code 13 | 5240 BLAZER PARKWAY DUBLIN, OH 43017 | $812K |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 CLAIMS PROCESSOR | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing Service code 12 | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | $782K |
| AETNA LIFE INSURANCE EIN 06-6033492 PROVIDER NETWORK | Direct payment from the plan; Contract Administrator; Other services; Participant communication Service code 13 | PO BOX 88860 CHICAGO, IL 60695 | $248K |
| HS TECHNOLOGY SOLUTIONS EIN 27-1818792 CLAIMS REPRICER | Contract Administrator; Other services; Claims processing Service code 12 | 3857 BIRCH ST. SUITE 586 NEWPORT BEACH, CA 92660 | $168K |
| STUART MIGDON BROKER | Insurance agents and brokers Service code 22 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | $156K |
| CVS PHARMACY, INC. EIN 05-0340626 PHARMACEUTICAL | Contract Administrator; Direct payment from the plan; Claims processing; Participant communication Service code 12 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $107K |
| HEALTHEOS EIN 39-1634080 PROVIDER NETWORK | Direct payment from the plan; Contract Administrator; Other services; Participant communication Service code 13 | PO BOX 29380 NEW YORK, NY 100879380 | $65K |
| TELEDOC ALTERNATIVE CARE | Other services; Participant communication; Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 123417 DALLAS, TX 75312 | $32K |
| AMERICAN HEALTH HOLDINGS ALTERNATIVE CARE | Direct payment from the plan; Other services; Contract Administrator; Participant communication Service code 13 | PO BOX 360142 PITTSBURGH, PA 152506142 | $6K |
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 | 5,058 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLANS INC | 163 | $1.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 6,431 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,735 | $53K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,058 | $780K |
| Short-term disability(10 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,058 | $1.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,559 | $550K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 2,982 | $2.0M |
| Other(16 contracts, 5 carriers) | AFLAC | 5,058 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,431 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.