| 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 N STE 503 WOODBRIDGE, NJ 070951003 | KAISER FOUNDATION HEALTH PLANS INC | $25K | — | $25K | 3.03% |
| STUART MIGDON3 | 900 RT 9 N STE 503 WOODBRIDGE, NC 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 1.15% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 1.35% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | — | $5K | 1.68% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BLDG 4 SU 404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 3.70% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.78% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BLDG 4 SU 404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 3.70% |
| STUART MIGDON3 | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.83% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 2.52% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $12K | — | $12K | 8.98% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.45% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.92% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BLDG 4 SU 404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.70% |
| MIGDON, STUART, M3 | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | — | $6K | 13.80% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BLDG 4 SU 404A WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.47% |
| MIDGON, STUART, M3 | 900 RT 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 4.72% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | $0 | $2K | 13.68% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | $15 | $2K | 11.33% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $414 | $3K | 25.46% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $292 | — | $292 | 6.93% |
| MIGDON, STUART, M3 | 900 RT 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 12.33% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $109 | $0 | $109 | 8.78% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $101 | — | $101 | 11.04% |
| MIDGON, STUART, M3 | 900 RT 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 12.31% |
| MIGDON, STUART, M3 | 900 RT 9 N STE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 6.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY, INC. EIN 05-0340626 PHARMACEUTICAL | Direct payment from the plan; Contract Administrator; Claims processing; Participant communication Service code 12 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $2.4M |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 CLAIMS PROCESSOR | Participant communication; Claims processing; Contract Administrator; Other services; Direct payment from the plan Service code 12 | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | $1.0M |
| QUANTUM HEALTH HEALTH ADVOCATE | Other services; Direct payment from the plan; Contract Administrator; Participant communication Service code 13 | 5240 BLAZER PARKWAY DUBLIN, OH 43017 | $738K |
| AETNA LIFE INSURANCE EIN 06-6033492 PROVIDER NETWORK | Participant communication; Contract Administrator; Direct payment from the plan; Other services Service code 13 | PO BOX 88860 CHICAGO, IL 60695 | $215K |
| HST TECHNOLOGY SOLUTIONS INC EIN 27-1818792 CLAIMS REPRICER | Claims processing; Other services; Contract Administrator Service code 12 | 3857 BIRCH ST. SUITE 586 NEWPORT BEACH, CA 92660 | $171K |
| STUART MIGDON BROKER | Insurance agents and brokers Service code 22 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | $143K |
| HSA BANK HSA ADMIN | Direct payment from the plan; Contract Administrator; Claims processing; Other services; Participant communication Service code 12 | 605 N 8TH STREET SHEBOYGAN, WI 53081 | $74K |
| HEALTHEOS EIN 39-1634080 PROVIDER NETWORK | Contract Administrator; Direct payment from the plan; Participant communication; Other services Service code 13 | PO BOX 29380 NEW YORK, NY 100879380 | $70K |
| TELEDOC ALTERNATIVE CARE | Contract Administrator; Direct payment from the plan; Other services; Participant communication Service code 13 | PO BOX 123417 DALLAS, TX 75312 | $36K |
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 | 5,370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC | 109 | $841K |
| Dental | AETNA LIFE INSURANCE COMPANY | 6,431 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,237 | $211K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,119 | $685K |
| Short-term disability(9 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,116 | $999K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,116 | $311K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,300 | $2.0M |
| Other(19 contracts, 8 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 5,119 | $1.1M |
| 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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.