| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF NEW JERSEY INC. | $7K | — | $7K | 5.26% |
| JEFFERY ASHEAR | PO BOX 385 DEAL, NJ 07723 | DELTA DENTAL OF NEW JERSEY INC. | $4K | — | $4K | 2.81% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 6.38% |
| JEFFERY ASHEAR | PO BOX 385 DEAL, NJ 07723 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.33% |
| ROSSITER INSURANCE AGENCY | 22 KELLOGG STREET OYSTER BAY, NY 117712259 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.79% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.77% |
| JEFFERY ASHEAR | 901 WEST PARK AVENUE SUITE 2N OCEAN, NJ 07712 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.79% |
| ROSSITER INSURANCE AGENCY | 22 KELLOGG STREET OYSTER BAY, NY 117712259 | STANDARD INSURANCE COMPANY | $994 | — | $994 | 1.93% |
| ANTHONY G COLLINCINI | 300 COOKMAN AVENUE UNIT 222 ASBURY PARK, NJ 07712 | AFLAC | $412 | $100 | $512 | 2.41% |
| ABRAHAM BASH | 148 S FRONT ST APT 321 FARMINGDALE, NY 11735 | AFLAC | $331 | — | $331 | 1.55% |
| DYLAN FRANCIS MONTEFORTE | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $280 | $29 | $309 | 1.45% |
| SHUAN T KONIOR | 31 STRATFORD GRN FARMINGDALE, NY 11735 | AFLAC | $245 | — | $245 | 1.15% |
| DANDLEY ALEXANDRE | 1 DONALD ST APT B BLOOMFIELD, NJ 07003 | AFLAC | $126 | $23 | $149 | 0.70% |
| ANTHONY GORHAM | 12210 ROCKLEDGE DR BOWIE, MD 20715 | AFLAC | $137 | — | $137 | 0.64% |
| ROBERT PIASSEK Filed as: ROBERT E PIASSEK | 822 SOUTH AVE W WESTFIELD, NJ 07090 | AFLAC | $130 | — | $130 | 0.61% |
| PATRICK R RUHLE | 200 GARDEN CITY PLZ STE 410 GARDEN CITY, NY 11530 | AFLAC | $126 | — | $126 | 0.59% |
| DYNASTY ADVISORS LLC | 123 STATE ROUTE 33 201 MANALAPAN, NJ 07726 | AFLAC | $119 | — | $119 | 0.56% |
| BETH E FREDERICKSON | 19 DAVENPORT RD MONTVILLE, NJ 07045 | AFLAC | $115 | — | $115 | 0.54% |
| MICHAEL P ZILINSKI | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $50 | — | $50 | 0.23% |
| LAUREN DEY | 4 BIRCHWOOD BOONTON, NJ 07005 | AFLAC | $34 | — | $34 | 0.16% |
| ARNOLD KATZ | 362 STILES CT WEST ORANGE, NJ 07052 | AFLAC | $22 | — | $22 | 0.10% |
| JUAN R MAS | 593 BELMONT AVE HALEDON, NJ 07508 | AFLAC | $16 | — | $16 | 0.08% |
| DIVYA JAIN | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 20151 | AFLAC | $12 | — | $12 | 0.06% |
| TUCKER ROBERT KUNKEL | 40 CASTLE ROCK RD LAKE HOPATCONG, NJ 07849 | AFLAC | $11 | — | $11 | 0.05% |
| VICTORIA ANNE BEENE | 6 BAYOU POINTE SR HOUSTON, TX 77063 | AFLAC | $7 | — | $7 | 0.03% |
| LISA N. BATES Filed as: LISA NICOLE BATES | 15 MAIZE FLOWER PL TOMBALL, TX 77375 | AFLAC | $6 | — | $6 | 0.03% |
| MICHAEL ANDERS LLC | 10 MOON BEAM CT SPRING, TX 77381 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTOPHER T KELLY | 2040 NORTYH LOOP STE 12 HOUSTON, TX 77018 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFERY ASHEAR | 901 WEST PARK AVENUE SUITE 2N OCEAN, NJ 07712 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.08% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $922 | — | $922 | 6.50% |
| ROSSITER INSURANCE AGENCY | 22 KELLOGG STREET OYSTER BAY, NY 117712259 | STANDARD INSURANCE COMPANY | $335 | — | $335 | 2.36% |
| JEFFERY ASHEAR | PO BOX 385 DEAL, NJ 07723 | VSP VISION CARE | $803 | — | $803 | 7.38% |
| ROSSITER INSURANCE AGENCY | 123 SOUTH ST STE 112 OYSTER BAY, NY 117712259 | VSP VISION CARE | $22 | — | $22 | 0.20% |
| JEFFERY ASHEAR | 901 WEST PARK AVENUE SUITE 2N OCEAN, NJ 07712 | DELTA DENTAL | $41 | — | $41 | 2.25% |
| ROSSITER INSURANCE AGENCY | 22 KELLOGG STREET OYSTER BAY, NY 117712259 | DELTA DENTAL | $3 | — | $3 | 0.16% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 102 | $282K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY INC. | 188 | $134K |
| Vision | VSP VISION CARE | 59 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 154 | $129K |
| Short-term disability | STANDARD INSURANCE COMPANY | 32 | $14K |
| Long-term disability | STANDARD INSURANCE COMPANY | 114 | $51K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 6 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.