| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRVIEW INSURANCE AGENCY3 | 25 FAIRVIEW AVENUE VERONA, NJ 07044 | LIFE INSURNACE COMPANY OF NORTH AMERICA | $390K | — | $390K | 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 | — | $259K | $259K | 5.31% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $540K | $27K | $567K | 42.46% |
| JOMAR AGENCY LLC3 | 300 EXECUTIVE DR WEST ORANGE, NJ 07052 | METROPOLITAN LIFE INSURANCE COMPANY | $132K | — | $132K | 9.88% |
| AON CONSULTING INC3 | 30 WATERSIDE DR FARMINGTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 0.56% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMIGNTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | $7K | $77K | 22.44% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | — | $44K | 12.75% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 300 EXECUTIVE DRIVE STE 360 WEST ORANGE, NJ 07052 | METLIFE LEGAL PLANS | $37K | — | $37K | 10.94% |
| 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 | $6K | — | $6K | 3.01% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP INC. | 300 EXECUTIVE DR STE 310 WEST ORANGE, NJ 070523323 | METROPOLITAN LIFE INSURANCE COMPANY | $100 | — | $100 | 0.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $419 | $50 | $469 | 2.44% |
| 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 | $307 | — | $307 | 1.60% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY | 300 EXECUTIVE DR STE 360 WEST ORANGE, NJ 07052 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.46% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.31% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP INC. | 300 EXECUTIVE DR STE 310 WEST ORANGE, NJ 070523323 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $263 | — | $263 | 16.69% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $190 | — | $190 | 12.32% |
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 | 26,717 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 722 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,439 | $1.4M |
| Dental(2 contracts, 2 carriers) | ALPHA DENTAL PROGRAMS, INC. | 4,855 | $1.1M |
| Vision(12 contracts) | EYEMED VISION CARE (COMBINED INSURANCE COMPANY OF AMERICA) | 24,636 | $2.5M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $217K |
| Long-term disability | LIFE INSURNACE COMPANY OF NORTH AMERICA | 27,205 | $4.9M |
| Other(14 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,196 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,205 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.