| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $4K | $4K | 4.20% |
| SHERIDAN BENEFITS LLC3 | 7 LIMESTONE DR WILLIAMSVILLE, NY 14221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN ST BUFFALO, NY 14203 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $235 | $0 | $235 | 0.23% |
| SHERIDAN BENEFITS LLC3 | 7 LIMESTONE DRIVE WILLIAMSVILLE, NY 14221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 4.52% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 4.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN ST BUFFALO, NY 14203 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $192 | $0 | $192 | 0.29% |
| SHERIDAN BENEFITS LLC3 | 7 LIMESTONE DRIVE WILLIAMSVILLE, NY 14221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $0 | $6K | 12.11% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 4.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN ST BUFFALO, NY 14203 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $0 | $1K | 2.89% |
| SHERIDAN BENEFITS LLC3 | 7 LIMESTONE DRIVE WILLIAMSVILLE, NY 14221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $0 | $5K | 12.11% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN ST BUFFALO, NY 14203 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $0 | $1K | 2.89% |
| SHERIDAN BENEFITS LLC3 | 7 LIMESTONE DRIVE WILLIAMSVILLE, NY 14221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 8.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $988 | $988 | 4.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN ST BUFFALO, NY 14203 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $288 | $0 | $288 | 1.22% |
| SHERIDAN BENEFITS LLC3 | 7 LIMESTONE DRIVE WILLIAMSVILLE, IN 14221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $0 | $1K | 8.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $640 | $640 | 4.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN ST BUFFALO, NY 14203 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $282 | $0 | $282 | 1.81% |
| SHERIDAN BENEFITS LLC3 | 7 LIMESTONE DRIVE WILLIAMSVILLE, NY 14221 | FEDERAL INSURANCE COMPANY | $286 | $0 | $286 | 12.00% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 197 | $104K |
| Vision | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 165 | $16K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 315 | $75K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 166 | $41K |
| Other(4 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 315 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.