| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE INC | 1260 CREEK ST WEBSTER, NY 14580 | UNIVERA HEALTHCARE | $91K | — | $91K | 3.50% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | GUARDIAN | $5K | — | $5K | 4.19% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST WEBSTER, NY 14580 | COMPANION LIFE INSURANCE COMPANY | — | $198 | $198 | 0.74% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST WEBSTER, NY 14580 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $175 | $175 | 0.76% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | MUTUAL OF OMAHA INSURANCE COMPANY | $386 | — | $386 | 9.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $193 | $193 | 5.00% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST WEBSTER, NY 14580 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $28 | $28 | 0.73% |
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 | 335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTHCARE | 199 | $2.6M |
| Dental | GUARDIAN | 191 | $121K |
| Vision | GUARDIAN | 191 | $121K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 335 | $27K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 330 | $23K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 335 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.