| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113K | $12K | $125K | 8.59% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 307 BLOOMFIELD AVE CALDWELL, NJ 07006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51K | — | $51K | 3.48% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.28% |
| LFT ENTERPRISES INC.3 | 31P MOUNTAIN BLVD. WARREN, NJ 07059 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 307 BLOOMFIELD AVE STE 303 CALDWELL, NJ 07006 | METLIFE LEGAL PLANS | $25K | — | $25K | 2.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $39K | $66K | 8.11% |
| MATT CITARELLI3 | 5 EDEN DRIVE SMITHTOWN, NY 11787 | COMBINED INSURANCE COMPANY | $235K | — | $235K | 35.86% |
| USB HEALTH LLC3 | 99 WOOD AVE S ISELIN, NJ 08852 | COMBINED INSURANCE COMPANY | $177K | — | $177K | 26.90% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD. ORMOND BEACH, FL 32174 | COMBINED INSURANCE COMPANY | $147K | — | $147K | 22.42% |
| RISK STRATEGIES COMPANY3 Filed as: OPTISURE RISK PARTNERS LLC | 40 STARK STREET MANCHESTER, NH 03131 | COMBINED INSURANCE COMPANY | $29K | — | $29K | 4.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $148 | $2K | 11.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $97 | $130 | $227 | 6.24% |
No Schedule C service providers reported on this filing.
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 | 33,959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 424 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,798 | $5.2M |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 21,984 | $19.6M |
| Vision(10 contracts) | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 32,310 | $3.3M |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,336 | $2.1M |
| Other(17 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 26,000 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,310 | — |
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.