| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE COMPANY | $35K | — | $35K | 1.76% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $49K | $9K | $58K | 5.55% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 ROUTE 9 NORTH STE 503 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 1.37% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $49K | $17K | $66K | 6.67% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 ROUTE 9 NORTH STE 503 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 0.94% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 070951003 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 2.98% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $44K | $22K | $66K | 7.44% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 0.99% |
| STUART MIGDON3 | 900 ROUTE 9 N STE 503 WOODBRIDGE, NJ 070951003 | KAISER FOUNDATION HEALTH PLANS INC | $19K | — | $19K | 2.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY, INC. EIN 05-0340626 PHARMACEUTICAL | Participant communication; Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $6.6M |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 CLAIMS PROCESSOR | Claims processing; Contract Administrator; Other services; Direct payment from the plan; Participant communication Service code 12 | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | $1.1M |
| QUANTUM HEALTH HEALTH ADVOCATE | Other services; Participant communication; Direct payment from the plan; Contract Administrator Service code 13 | 5240 BLAZER PARKWAY DUBLIN, OH 43017 | $729K |
| AETNA LIFE INSURANCE EIN 06-6033492 PROVIDER NETWORK | Other services; Direct payment from the plan; Participant communication; Contract Administrator Service code 13 | PO BOX 88860 CHICAGO, IL 60695 | $199K |
| STUART MIGDON BROKER | Insurance agents and brokers Service code 22 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | $145K |
| HS TECHNOLOGY SOLUTIONS INC EIN 27-1818792 CLAIMS REPRICER | Claims processing; Contract Administrator; Other services Service code 12 | 3857 BIRCH ST. SUITE 586 NEWPORT BEACH, CA 92660 | $92K |
| MULTIPLAN CLAIMS REPRICER | Contract Administrator; Claims processing; Other services Service code 12 | PO BOX 29380 NEW YORK, NY 10087 | $92K |
| HEALTHEOS EIN 39-1634080 PROVIDER NETWORK | Direct payment from the plan; Participant communication; Other services; Contract Administrator Service code 13 | PO BOX 29380 NEW YORK, NY 100879380 | $76K |
| HSA BANK HSA ADMIN | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication Service code 12 | PO BOX 939 SHEBOYGAN, WI 53081 | $75K |
| TELEDOC ALTERNATIVE CARE | Participant communication; Contract Administrator; Direct payment from the plan; Other services 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 | 5,398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 126 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 6,128 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,625 | $229K |
| Life insurance | STANDARD INSURANCE COMPANY | 5,549 | $886K |
| Short-term disability | STANDARD INSURANCE COMPANY | 5,549 | $996K |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,549 | $1.0M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 2,839 | $2.0M |
| Other | STANDARD INSURANCE COMPANY | 5,549 | $886K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,128 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.