| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART MIGDON3 | 900 ROUTE 9 NORTH STE 503 WOODBRIDGE, NJ 070951003 | UNITEDHEALTHCARE INSURANCE COMPANY | $95K | — | $95K | 4.75% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 ROUTE 9 N STE 503 WOODBRIDGE, NJ 070951003 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 3.87% |
| STUART MIGDON3 Filed as: STUART MIDGON | 1909 JOSEPH COURT BELMAR, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 8.95% |
| 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% |
| MICHAEL JOSEPH MCGUIRE3 | 12 AZALEA CT BARNEGAT, NJ 08005 | AFLAC | $25K | $36 | $25K | 29.11% |
| MARY DRESSENDOFER3 | 12 CRABAPPLE CV HAMPTON, NJ 08827 | AFLAC | $6K | $19 | $6K | 6.39% |
| JUSTIN M SANCHEZ3 | 14 BOONTON AVE BOONTON, NJ 07005 | AFLAC | $2K | — | $2K | 2.80% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $2K | — | $2K | 2.11% |
| JUSTIN M SANCHEZ3 | 124 GORDON ST CLIFTON, NJ 07011 | AFLAC | $1K | — | $1K | 1.32% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $596 | $41 | $637 | 0.74% |
| KEVEN R MCINERNEY3 | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $148 | $10 | $158 | 0.18% |
| JASON P LUCAS3 | 31 COUNTY ST DEDHAM, MA 02026 | AFLAC | $98 | — | $98 | 0.11% |
| ENROLLEASE3 Filed as: JOSEPH CLARKE | 197 BYRAM KINGWOOD RD STOCKTON, NJ 08559 | AFLAC | $78 | $2 | $80 | 0.09% |
| CHANIE HERSCHLAG3 | 211 BOULEVARD OF AMERICA STE 407 LAKEWOOD, NJ 08701 | AFLAC | $78 | — | $78 | 0.09% |
| RICHARD DEGENNARO3 | 662 BROOKSIDE DR BELFORD, NJ 07718 | AFLAC | $54 | — | $54 | 0.06% |
| WILLIAM DIGGS3 | 21 SHERRY RD EAST BRUNSWICK, NJ 08816 | AFLAC | $54 | — | $54 | 0.06% |
| ERIN F. MURPHY3 Filed as: ERIN F MURPHY | 448 TURNPIKE ST SUITE BUILDING11 -G-A SOUTH EASTON, MA 02375 | AFLAC | $41 | — | $41 | 0.05% |
| ANDREW S SHAW3 | 11 JOY LN READING, MA 01867 | AFLAC | $13 | — | $13 | 0.02% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAP MAY COURTHOUSE, NJ 08210 | AFLAC | $12 | — | $12 | 0.01% |
| SHAW ASSOCIATES INC3 | 11 JOY LN READING, MA 01867 | AFLAC | $10 | — | $10 | 0.01% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $10 | — | $10 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $6 | — | $6 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $2 | — | $2 | 0.00% |
| STUART MIGDON3 | 900 ROUTE 9 N STE 503 WOODBRIDGE, NJ 07095 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.91% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVE STE 200 ST PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $1K | — | $1K | 9.93% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG 1 SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $680 | $680 | 5.04% |
| STUART MIGDON3 | 900 US 9 SUITE 503 WOODBRIDGE, NJ 07095 | METLIFE LEGAL PLANS | $0 | — | $0 | 0.00% |
| 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 | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $163K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $163K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $204K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $213K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $127K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $2.0M |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.