| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTPORT INSURANCE CORPORATION0 Filed as: WESTPORT INSURANCE CORP DBA SWISSRE | — | UNITED HEALTHCARE SERVICES INC | — | $378K | $378K | 45.31% |
| MASTER UNUM ENROLL0 Filed as: UNUM INSURANCE COMPANY | 99 PARK AVENUE, SUITE 6 NEW YORK, NY 10016 | UNITED HEALTHCARE SERVICES INC | — | $205K | $205K | 24.63% |
| UMR, INC.5 Filed as: UNITED HEALTHCARE SERVICES INC | — | UNITED HEALTHCARE SERVICES INC | — | $178K | $178K | 21.32% |
| NJ GROUP SERVICES3 Filed as: NJ GROUP SERVICES LLC | 22 MERIDIAN ROAD , UNIT 16 EDISON, NJ 08820 | UNITED HEALTHCARE SERVICES INC | — | $63K | $63K | 7.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | BLDG 4, SUITE 404 A, 1800 ROUTE 34, WALL, NJ 07719 | UNITED HEALTHCARE SERVICES INC | — | $10K | $10K | 1.23% |
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 | 323 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE SERVICES INC | 323 | $834K |
| Dental | UNITED HEALTHCARE SERVICES INC | 323 | $834K |
| Vision | UNITED HEALTHCARE SERVICES INC | 323 | $834K |
| Life insurance | UNITED HEALTHCARE SERVICES INC | 323 | $834K |
| Long-term disability | UNITED HEALTHCARE SERVICES INC | 323 | $834K |
| Prescription drug | UNITED HEALTHCARE SERVICES INC | 323 | $834K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE SERVICES INC | 323 | $834K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.