| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRVIEW INSURANCE AGENCY3 | 25 FAIRVIEW AVENUE VERONA, NJ 07044 | LIFE INSURNACE COMPANY OF NORTH AMERICA | $359K | — | $359K | 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 | — | $225K | $225K | 5.00% |
| AON CONSULTING INC3 | 30 WATERSIDE DR ATTN STEPHANIE ATTRUIA, CORP ACCTG FARMINGTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $53 | $45K | 3.56% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065015 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 2.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 1.03% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE ATTN STEPHANIE ATTRUIA, CORP ACCTG FARMINGTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | $947 | $3K | $4K | 0.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $647 | — | $647 | 0.05% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 307 BLOOMFIELD AVE STE 303 CALDWELL, NJ 07006 | METLIFE LEGAL PLANS | $42K | — | $42K | 9.77% |
| USI INSURANCE SERVICES LLC3 | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | METLIFE LEGAL PLANS | — | $57 | $57 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE ATTN STEPHANIE ATTRUIT, CORP ACCTG FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $53 | $14K | 4.18% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 3.35% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE, P.O. BOX 527 ATTN STEPHANIE ATTRUIA, CORP ACCTG FARMIGNTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $1K | $3K | 0.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $173 | — | $173 | 0.05% |
| 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 | 2.16% |
| FAIRVIEW INSURANCE AGENCY3 | 25 FAIRVIEW AVENUE VERONA, NJ 07044 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| 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 | $214 | — | $214 | 1.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $185 | $5 | $190 | 1.04% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.32% |
| JOMAR AGENCY LLC3 | 300 EXECUTIVE DR STE 360 WEST ORANGE, NJ 07052 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.09% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $314 | — | $314 | 15.92% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $27 | — | $27 | 1.46% |
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 | 27,076 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 385 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,293 | $1.3M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 18,514 | $14.6M |
| Vision(12 contracts) | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 25,436 | $3.1M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $172K |
| Long-term disability | LIFE INSURNACE COMPANY OF NORTH AMERICA | 27,137 | $4.5M |
| Other(11 contracts, 6 carriers) | LIFE INSURNACE COMPANY OF NORTH AMERICA | 27,137 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,137 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.