| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVE OF THE AMERICANS NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 7.53% |
| THE DBL CENTER LTD3 Filed as: DBL GENERAL AGENCY, AN | ALERA GROUP, LLC 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | — | $16K | $16K | 4.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $15K | $15K | 4.23% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, AN | ALERA GROUP AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY, A MARSH & MCLENNAN | AGENCY ONE PENN SQUARE WEST, SUITE 2500 PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.07% |
| JAMES R NELLIGAN & ASSOCS LLC3 Filed as: JAMES R NELLIGAN & ASSOCS | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 10.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 19.91% |
| JAMES R NELLIGAN & ASSOCS LLC3 Filed as: JAMES R NELLIGAN & ASSOCS | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY, A MARSH & MCLENNAN | AGENCY ONE PENN SQUARE WEST, SUITE 2500 PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $158 | — | $158 | 7.04% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 722 | $347K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 643 | $48K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 722 | $368K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 722 | $358K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 722 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.