| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRVIEW INSURANCE AGENCY3 | 25 FAIRVIEW AVENUE VERONA, NJ 07044 | LIFE INSURNACE COMPANY OF NORTH AMERICA | $285K | — | $285K | 8.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1800 ROUTE 34, BUILDING 4 SUITE 404A WALL, NJ 07719 | LIFE INSURNACE COMPANY OF NORTH AMERICA | — | $228K | $228K | 6.40% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $318K | $47 | $318K | 23.01% |
| JOMAR AGENCY LLC3 | 300 EXECUTIVE DR WEST ORANGE, NJ 07052 | METROPOLITAN LIFE INSURANCE COMPANY | $164K | — | $164K | 11.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC NE | P.O. BOX 62939 VIRGINIA BEACH, VA 23462 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | — | $22 | 0.00% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 300 EXECUTIVE DRIVE STE 360 WEST ORANGE, NJ 07052 | METLIFE LEGAL PLANS | $41K | — | $41K | 11.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | METLIFE LEGAL PLANS | — | $41 | $41 | 0.01% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMIGNTON, CT 06034 | METROPOLITAN LIFE INSURANCE COMPANY | $116K | $47 | $116K | 33.18% |
| JOMAR AGENCY LLC3 | 300 EXECUTIVE DR WEST ORANGE, NJ 07052 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | — | $60K | 17.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC, NE | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| INSMED INS AGENCY INC3 Filed as: INSMED INS. AGENCY INC. | 500 MAMARONECK AVE. SUITE 408 HARRISON, NY 10528 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.26% |
| JOMAR AGENCY LLC3 | 300 EXECUTIVE DR WEST ORANGE, NJ 07052 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC, NE | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RSI (GALLAGHER BENEFIT SERVICES) | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $395 | — | $395 | 1.90% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.67% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.29% |
| JOMAR AGENCY LLC3 | 300 EXECUTIVE DR WEST ORANGE, NJ 07052 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC, NE | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | -$6 | — | -$6 | -0.04% |
| JOMAR AGENCY LLC3 | 300 EXECUTIVE DR WEST ORANGE, NJ 07052 | METROPOLITAN LIFE INSURANCE COMPANY | $254 | — | $254 | 16.51% |
| JOMAR AGENCY LLC3 | 300 EXECUTIVE DR WEST ORANGE, NJ 07052 | METROPOLITAN LIFE INSURANCE COMPANY | $212 | — | $212 | 15.77% |
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 | 26,327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 325 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,448 | $1.5M |
| Dental(2 contracts, 2 carriers) | ALPHA DENTAL PROGRAMS, INC. (DELTA DENTAL) | 4,873 | $1.2M |
| Vision(11 contracts) | EYEMED VISION CARE (COMBINED INSURANCE COMPANY OF AMERICA) | 23,036 | $2.5M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $145K |
| Long-term disability | LIFE INSURNACE COMPANY OF NORTH AMERICA | 31,006 | $3.6M |
| Other(13 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,196 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,006 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.