| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN AND ASSOC., LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | THE STANDARD LIFE INSURANCE COMPANY | $8K | $3K | $11K | 6.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | THE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.51% |
| KBC, INC.3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | $0 | $2K | 9.99% |
| KBC, INC.3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $516 | $0 | $516 | 11.25% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 119 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 735 | $9.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $45K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 291 | $23K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 339 | $58K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY | 339 | $166K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 735 | $9.4M |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 339 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.