| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN | 1800 ROUTE 34 BLDNG 4 # 404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 5.10% |
| JEFFREY ASHEAR Filed as: JEFFREY M ASHEAR | PO BOX 385 DEAL, NJ 07723 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.96% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: ROSSITER INSURACE ANGENCY | 25 KELLOGG STREET OYSTER BAY, NY 11771 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.96% |
| M3 INSURANCE SOLUTIONS INC Filed as: ROSSITER INSURACE ANGENCY | 17 LUMBER ROAD ROSLYN, NY 11576 | DELTA DENTAL OF NEW JERSEY | $3K | — | $3K | 1.75% |
| JEFFREY ASHEAR3 Filed as: JEFFREY M ASHEAR | PO BOX 385 DEAL, NJ 07723 | DELTA DENTAL OF NEW JERSEY | $3K | — | $3K | 1.75% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: ROSSITER INSURACE ANGENCY | 17 LUMBER ROAD ROSLYN, NY 11576 | VISION SERVICE PLAN | $449 | — | $449 | 3.12% |
| JEFFREY ASHEAR3 | PO BOX 385 DEAL, NJ 07723 | VISION SERVICE PLAN | $449 | — | $449 | 3.12% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $378K |
| Dental | DELTA DENTAL OF NEW JERSEY | 243 | $153K |
| Vision | VISION SERVICE PLAN | 68 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 187 | $204K |
| Long-term disability | STANDARD INSURANCE COMPANY | 187 | $204K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 4 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
No prospect flags tripped on this filing.