| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMIL Y PROTECTION INC. | P.O. BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $278K | $33K | $311K | 27.08% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | P.O. BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $10K | $20K | 5.28% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 ROUTE 34, BLDG 4, SUITE 404A WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | $625 | $19K | 5.17% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMIL Y PROTECTION INC. | P.O. BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.24% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 ROUTE 34, BLDG 4, SUITE 404A WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $760 | $3K | 6.91% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMIL Y PROTECTION INC. | P.O. BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $496 | $91 | $587 | 22.12% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | P.O. BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $3K | $11K | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 ROUTE 34, BLDG 4, SUITE 404A WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $2K | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC EIN 23-7391136 INSURANCE BROKERAGE | Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Insurance agents and brokers; Other commissions; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $1.2M |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 SERVICE PROVIDER | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $0 |
| INGENIORX, INC. EIN 82-3062245 | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue Service code 12 | — | $0 |
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 | 1,530 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,530 | $655K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,530 | $655K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,530 | $655K |
| Life insurance(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,910 | $1.6M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2 | $3K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,247 | $376K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,530 | $655K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,910 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,910 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.