| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL JOHNSON3 | 8 HILLCREST PARK RD OLD GREENWICH, CT 068701004 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 9.32% |
| J5 CONSULTING LLC3 | 10630 FIFE AVENUE VERO BEACH, FL 32963 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.78% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | -$57 | — | -$57 | -0.38% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $497 | — | $497 | 10.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROKERAGE CONCEPTS, INC. EIN 11-3667763 NONE | Contract Administrator; Claims processing Service code 12 | — | $118K |
| J5 CONSULTING LLC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 8 HILLCREST PARK RD OLD GREENWICH, CT 06870 | $41K |
| MEDWATCH LLC NONE | Other services; Other fees Service code 49 | 400 COLONIAL CENTER PKWY SUITE 320 LAKE MARY, FL 32746 | $33K |
| HIGHMARK INC. EIN 51-0020405 NONE | Other services; Contract Administrator; Other fees Service code 13 | — | $3K |
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 | 215 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED STATES FIRE INSURANCE COMPANY | 232 | $307K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $61K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 141 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $83K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $83K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $83K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 232 | $307K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.