| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 6.96% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SRVCS | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 4.97% |
| GREENBERG, BRADLEY3 | 201 W 70TH ST APT 31-B NEW YORK, NY 10023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.61% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 9.00% |
| GREENBERG, BRADLEY3 | 201 W 70TH ST APT 31-B NEW YORK, NY 10023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.13% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 9.00% |
| GREENBERG, BRADLEY3 | 201 W 70TH ST APT 31-B NEW YORK, NY 10023 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STARMOUNT LIFE INSURANCE COMPANY | — | $1K | $1K | 9.00% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 13.33% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $924 | — | $924 | 13.26% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $668 | — | $668 | 13.92% |
| GREENBERG, BRADLEY3 | 201 W 70TH ST APT 31-B NEW YORK, NY 10023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $364 | — | $364 | 22.13% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $148 | $148 | 9.00% |
| GREENBERG, BRADLEY3 | 201 W 70TH ST APT 31-B NEW YORK, NY 10023 | FIRST UNUM LIFE INSURANCE COMPANY | $240 | — | $240 | 131.87% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | — | $24 | $24 | 13.19% |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 257 | $103K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 265 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $97K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $79K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.