| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 SIXTH AVENUE, SUITE 2010 NEW YORK, NY 10036 | AETNA LIFE INSURANCE COMPANY | $0 | $138 | $138 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 1185 SIXTH AVENUE, SUITE 2010 NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $14K | $14K | 3.02% |
| LYNN A. CHIAVARO3 | 1 MAYNARD DRIVE, SUITE 1106 PARK RIDGE, NJ 07656 | NORTHWESTERN MUTUAL | $26K | $7K | $32K | 11.04% |
| NM MORRISTOWN NJ3 Filed as: NM MORRISTOWN, LLC | 10 MADISON AVENUE, SUITE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $6K | $692 | $6K | 2.20% |
| HIRAM COHEN AND SON, INC.3 | 486 WILLIS AVENUE WILLISTON PARK, NY 11596 | FEDERAL INSURANCE COMPANY | $618 | $0 | $618 | 15.01% |
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 | 1,046 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,086 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,097 | $505K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 497 | $60K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 989 | $452K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 989 | $452K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 989 | $746K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,046 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,097 | — |
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."
No prospect flags tripped on this filing.