| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC5 | 30 WATERSIDE DR ATTN STEPHANIE ATTRUIA CORP ACCTG FARMINGTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $77K | $95K | 5.94% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $6K | $16K | 0.99% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 0.83% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 307 BLOOMFIELD AVE STE 303 CALDWELL, NJ 07006 | METLIFE LEGAL PLANS | $441K | — | $441K | 62.35% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | DELTA DENTAL OF NEW JERSEY INC. | $6K | — | $6K | 0.98% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731296 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $3K | $5K | 7.33% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $457 | $2K | 2.27% |
| INSMED INS AGENCY INC3 | 500 MAMARONECK AVE SUITE 408 HARRISON, NY 10528 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.16% |
| INTERNL PLANNING ALL LLC3 | 300 BROADACRES DR SUITE 175 BLOOMFIELD, NJ 07003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47 | — | $47 | 0.12% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $289 | $159 | $448 | 1.36% |
| 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 | $206 | — | $206 | 1.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.55% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.16% |
| JOMAR AGENCY LLC3 Filed as: JOMAR AGENCY, LLC | 300 EXECUTIVE DR STE 360 WEST ORANGE, NJ 07052 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $67 | $58 | $125 | 0.92% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7 | $7 | 0.31% |
| JOMAR AGENCY LLC3 | 307 BLOOMFIELD AVE CALDWELL, NJ 070065105 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | $2 | $5 | 1.44% |
| 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 | — | $2K | $2K | — |
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 | 30,276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 590 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 30,866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,182 | $1.7M |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 19,691 | $17.7M |
| Vision(12 contracts) | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 30,469 | $2.6M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 36 | $54K |
| Other(10 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 26,000 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,469 | — |
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.