| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRVIEW INSURANCE AGENCY3 | 25 FAIRVIEW AVENUE VERONA, NJ 07044 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $330K | — | $330K | 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 | — | $206K | $206K | 5.00% |
| AON CONSULTING INC5 | 30 WATERSIDE DR ATTN STEPHANIE ATTRUIA CORP ACCTG FARMINGTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | $114K | $55 | $114K | 18.39% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | — | $59K | 9.46% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 2.22% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 307 BLOOMFIELD AVE STE 303 CALDWELL, NJ 07006 | METLIFE LEGAL PLANS | $54K | — | $54K | 8.89% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | — | $89 | $89 | 0.01% |
| AON CONSULTING INC3 | 30 WATERSIDE DR ATTN STEPHANIE ATTRUIA CORP ACCTG FARMINGTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $55 | $37K | 23.50% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 13.03% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.15% |
| 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 | $4K | — | $4K | 3.41% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | — | $44 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RSI (GALLAGHER BENEFIT SERVICES) | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 1.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.57% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.18% |
| JOMAR AGENCY LLC3 | 300 EXECUTIVE DR STE 360 WEST ORANGE, NJ 07052 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.33% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $291 | — | $291 | 12.90% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $354 | $354 | — |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | — | $28 | — |
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 | 28,549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 333 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,140 | $841K |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 18,844 | $14.6M |
| Vision(10 contracts) | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 26,220 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 39 | $120K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 28,060 | $4.1M |
| Other(11 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 28,060 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,060 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.