| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER ROAD PO BOX 1 PRINCETON, NJ 08543 | SUN LIFE ASSURANCE COMPANY OF CANADA | $141K | — | $141K | 2.14% |
| FAIRVIEW INSURANCE AGENCY3 Filed as: FAIRVIEW INSURANCE AGENCY ASSOC. | 25 FAIRVIEW AVE VERONA, NJ 07044 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $83K | $83K | 1.26% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 060340527 | METROPOLITAN LIFE INSURANCE COMPANY | $206K | $18 | $206K | 20.09% |
| JOMAR AGENCY LLC3 | 300 EXECUTIVE DR WEST ORANGE, NJ 07052 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | — | $88K | 8.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | NE PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $51 | $46K | 4.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 300 EXECUTIVE DRIVE STE 360 WEST ORANGE, NJ 07052 | HYATT LEGAL PLANS | $41K | — | $41K | 8.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | HYATT LEGAL PLANS | — | $60 | $60 | 0.01% |
| INSMED INS AGENCY INC3 Filed as: INSMED. AGENCY INC | 500 MAMARONECK AVE STE 408 HARRISON, NY 10528 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.23% |
| FAIRVIEW INSURANCE AGENCY3 Filed as: FAIRVIEW INSURANCE AGENCY ASSOC. | 25 FAIRVIEW AVE VERONA, NJ 07044 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 9.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P O BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P O BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.72% |
| FAIRVIEW INSURANCE AGENCY3 Filed as: FAIRVIEW INSURANCE AGENCY ASSOC. | 25 FAIRVIEW AVE VERONA, NJ 07044 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $531 | — | $531 | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RSI (GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 21ST FL ITASCA, IA 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $481 | — | $481 | 2.12% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.67% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.29% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P O BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $926 | — | $926 | 6.01% |
| FAIRVIEW INSURANCE AGENCY3 Filed as: FAIRVIEW INSURANCE AGENCY ASSOC. | 25 FAIRVIEW AVE VERONA, NJ 07044 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $306 | — | $306 | 1.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P O BOX 632886 CINCINNATI, OH 45263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $894 | — | $894 | 10.00% |
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 | 26,465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 55 | $23K |
| Dental(2 contracts, 2 carriers) | ALPHA DENTAL PROGRAMS, INC. (DELTA DENTAL) | 5,221 | $1.3M |
| Vision(11 contracts) | EYEMED VISION CARE (COMBINED INSURANCE COMPANY OF AMERICA) | 21,372 | $2.5M |
| Life insurance(9 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 17,379 | $8.1M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $198K |
| Long-term disability(6 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 17,379 | $7.8M |
| Other(18 contracts, 8 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 17,379 | $10.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,372 | — |
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.