| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART MIGDON3 | 900 RTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE CO. | — | $92K | $92K | 3.64% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| STUART MIGDON3 | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 070951003 | VISION SERVICE PLAN | $1K | — | $1K | 5.10% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.44% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $457 | $457 | 2.93% |
| GREENBERG & RAPP FINANCIAL GROUP3 Filed as: GREENBERG, RONALD, JULIAN | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | -$16 | -$16 | -0.10% |
| VINCENT M MORELLI3 | 746 5TH ST LYNDHURST, NJ 07071 | AFLAC | $859 | $0 | $859 | 7.15% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 1909 JOSEPH COURT WALL TOWNSHIP, NJ 07719 | AFLAC | $441 | — | $441 | 3.67% |
| LESLEY ANN KEENAN3 | 3000 S HIGHWAY A1A APT 202 JUPITER, FL 33477 | AFLAC | $201 | — | $201 | 1.67% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE CT ATCO, NJ 08004 | AFLAC | $76 | — | $76 | 0.63% |
| ADAM MAGGIO3 | 1025 MAXWELL LN HOBOKEN, NJ 07030 | AFLAC | $74 | — | $74 | 0.62% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $46 | — | $46 | 0.38% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N DIAZ | 605 UNIVERSE BLVD APT T816 JUNO BEACH, FL 33408 | AFLAC | $35 | — | $35 | 0.29% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $27 | — | $27 | 0.22% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $21 | — | $21 | 0.17% |
| GEORGE PADRON3 | 11 S CENTRAL AVE APT 2115 PHOENIX, AE 85004 | AFLAC | $18 | — | $18 | 0.15% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $12 | — | $12 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $10 | — | $10 | 0.08% |
| DAVID GROSSMAN3 Filed as: DAVID A IANNACONE | 185 FAIRFIELD AVE STE 1C WEST CALDWELL, NJ 07006 | AFLAC | $6 | $0 | $6 | 0.05% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $5 | — | $5 | 0.04% |
| MICHAEL DZIUBA3 | 2 FRANCES ST CLIFTON, NJ 07014 | AFLAC | $4 | $0 | $4 | 0.03% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA ROTON, FL 33487 | AFLAC | $4 | — | $4 | 0.03% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $2 | — | $2 | 0.02% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NC 07307 | AFLAC | $2 | — | $2 | 0.02% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $2 | — | $2 | 0.02% |
| TOMAS FLORES3 | 1265 15TH ST APT 16G FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.01% |
| DYLAN FRANCIS MONEFORTE3 | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $0 | — | $0 | 0.00% |
| DAVID GROSSMAN3 Filed as: DAVID A IANNACONE | 185 FAIRFIELD AVE STE 1C WEST CALDWELL, NJ 07006 | AFLAC | $0 | — | $0 | 0.00% |
| STUART MIGDON3 | 900 RTE 9 N STE 503 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $478 | — | $478 | 9.79% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL | 1125 NW COUCH ST STE 900 PORTLAND, OH 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $134 | $134 | 2.74% |
| GREENBERG & RAPP FINANCIAL GROUP3 Filed as: GREENBERG, RONALD, JULIAN | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $671 | $0 | $671 | 32.15% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $73 | $73 | 3.50% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 220 | $2.5M |
| Dental | AETNA LIFE INSURANCE CO. | 220 | $2.5M |
| Vision | VISION SERVICE PLAN | 101 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $24K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 42 | $23K |
| Long-term disability(3 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 15 | $23K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.