| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE COMPANY | $29K | — | $29K | 1.85% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 ROUTE 9 NORTH STE 503 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $9K | $21K | $30K | 4.19% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $29K | $29K | 4.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $26K | $0 | $26K | 3.68% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 070951003 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 3.32% |
| STUART MIGDON3 | 900 ROUTE 9 N STE 503 WOODBRIDGE, NJ 070951003 | KAISER FOUNDATION HEALTH PLANS INC | $21K | — | $21K | 3.06% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $8K | $18K | $27K | 4.05% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $26K | $0 | $26K | 4.01% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $26K | $26K | 3.99% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 ROUTE 9 NORTH STE 503 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $11K | $19K | $30K | 4.67% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $26K | $0 | $26K | 3.98% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $25K | $25K | 3.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUANTUM HEALTH HEALTH ADVOCATE | Contract Administrator; Other services; Participant communication; Direct payment from the plan Service code 13 | 5240 BLAZER PARKWAY DUBLIN, OH 43017 | $566K |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 CLAIMS PROCESSOR | Direct payment from the plan; Contract Administrator; Claims processing; Other services; Participant communication Service code 12 | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | $397K |
| MULTIPLAN CLAIMS REPRICER | Claims processing; Other services; Contract Administrator Service code 12 | PO BOX 29380 NEW YORK, NY 10087 | $149K |
| CVS PHARMACY, INC. EIN 05-0340626 PHARMACEUTICAL | Contract Administrator; Direct payment from the plan; Participant communication; Claims processing Service code 12 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $148K |
| AETNA LIFE INSURANCE EIN 06-6033492 PROVIDER NETWORK | Participant communication; Direct payment from the plan; Other services; Contract Administrator Service code 13 | PO BOX 88860 CHICAGO, IL 60695 | $125K |
| STUART MIGDON BROKER | Insurance agents and brokers Service code 22 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | $103K |
| HEALTHEOS EIN 39-1634080 PROVIDER NETWORK | Contract Administrator; Other services; Participant communication; Direct payment from the plan Service code 13 | PO BOX 29380 NEW YORK, NY 100879380 | $51K |
| TELEDOC ALTERNATIVE CARE | Contract Administrator; Participant communication; Other services; Direct payment from the plan Service code 13 | PO BOX 123417 DALLAS, TX 75312 | $34K |
| COOPERATIVE LLC EIN 46-4399706 TRANSPARENCY TOOL | Other insurance fees and expenses Service code 73 | 330 FRANKLIN RD STE 13A-42B BRENTWOOD, TN 37027 | $13K |
| HS 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 | $0 |
| HSA BANK HSA ADMIN | Other services; Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | PO BOX 939 SHEBOYGAN, WI 53081 | $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 | 3,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 177 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 125 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 3,821 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,004 | $147K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,849 | $655K |
| Short-term disability | STANDARD INSURANCE COMPANY | 4,722 | $705K |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,404 | $640K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,717 | $1.3M |
| Other | STANDARD INSURANCE COMPANY | 3,849 | $655K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,722 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.