| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART MIGDON3 | 900 ROUTE 9 NORTH STE 503 WOODBRIDGE, NJ 070951003 | UNITEDHEALTHCARE INSURANCE COMPANY | $94K | — | $94K | 4.75% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 ROUTE 9 N STE 503 WOODBRIDGE, NJ 070951003 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 3.88% |
| STUART MIGDON3 Filed as: STUART MIDGON | 1909 JOSEPH COURT BELMAR, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 8.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| STUART MIGDON3 | 900 ROUTE 9 N STE 503 WOODBRIDGE, NJ 07095 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.80% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $7K | — | $7K | 17.76% |
| MICHAEL JOSEPH MCGUIRE3 | 12 AZALEA CT BARNEGAT, NJ 08005 | AFLAC | $6K | — | $6K | 14.53% |
| MARY DRESSENDOFER3 | 12 CRABAPPLE CV HAMPTON, NJ 08827 | AFLAC | $2K | — | $2K | 5.04% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $2K | — | $2K | 4.59% |
| JASON P LUCAS3 | 31 COUNTY ST DEDHAM, MA 02026 | AFLAC | $905 | — | $905 | 2.37% |
| ERIN F. MURPHY3 Filed as: ERIN F MURPHY | 448 TURNPIKE ST SUITE BUILDING11 -G-A SOUTH EASTON, MA 02375 | AFLAC | $186 | — | $186 | 0.49% |
| KEVEN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $185 | — | $185 | 0.49% |
| ENROLLEASE3 Filed as: JOSEPH CLARKE | 197 BYRAM KINGWOOD RD STOCKTON, NJ 08559 | AFLAC | $179 | — | $179 | 0.47% |
| ANDREW S SHAW3 | 859 WILLARD ST STE 100 QUINCY, MA 02169 | AFLAC | $97 | — | $97 | 0.25% |
| RICHARD DEGENNARO3 | 662 BROOKSIDE DR BELFORD, NJ 07718 | AFLAC | $48 | — | $48 | 0.13% |
| WILLIAM DIGGS3 | 21 SHERRY RD EAST BRUNSWICK, NJ 08816 | AFLAC | $47 | — | $47 | 0.12% |
| SHAW ASSOCIATES INC3 | 11 JOY LN READING, MA 01867 | AFLAC | $27 | — | $27 | 0.07% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAP MAY COURTHOUSE, NJ 08210 | AFLAC | $10 | — | $10 | 0.03% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $10 | — | $10 | 0.03% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $5 | — | $5 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $2 | — | $2 | 0.01% |
| STUART MIGDON3 | 900 US 9 SUITE 503 WOODBRIDGE, NJ 07095 | METLIFE LEGAL PLANS | $1K | — | $1K | 13.32% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVE STE 200 ST PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $1K | — | $1K | 13.23% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG 1 SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $525 | $525 | 6.71% |
| MIGDON, STUART, M3 Filed as: MIGDON ALLEN ASSOCIATES | 900 ROUST 9 NORTH, SUITE 503 WOODBRIDGE, NJ 07095 | UNITEDHEALTHCARE INSURANCE COMPANY | $450 | — | $450 | 14.99% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $161K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $161K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $186K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $159K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $121K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $2.0M |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 944 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 944 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.