| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY, LLC | 1260 CREEK ST SUITE 100 WEBSTER, NY 14580 | INDEPENDENT HEALTH | $18K | — | $18K | 1.15% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST SUITE 100 WEBSTER, NY 14580 | INDEPENDENT HEALTH | $18K | — | $18K | 4.26% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | GUARDIAN LIFE | $4K | — | $4K | 5.25% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST WEBSTER, NY 14580 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | COMPANION LIFE INSURANCE COMPANY | — | $843 | $843 | 4.27% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 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 AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $722 | $722 | 4.13% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST WEBSTER, NY 14580 | MUTUAL OF OMAHA INSURANCE COMPANY | $280 | — | $280 | 9.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $119 | $119 | 4.24% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENT HEALTH | 98 | $1.9M |
| Dental | GUARDIAN LIFE | 119 | $68K |
| Vision | GUARDIAN LIFE | 119 | $68K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 312 | $20K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 308 | $17K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 312 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.