| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | AETNA LIFE INSURANCE COMPANY AND AFFLIATES | $68K | $6K | $73K | 6.39% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 6.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.81% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 10.82% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.80% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 11.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $775 | — | $775 | 1.92% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $332 | — | $332 | 1.90% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFLIATES | 114 | $1.1M |
| Dental | FIRST UNUM LIFE INSURANCE COMPANY | 90 | $86K |
| Vision | FIRST UNUM LIFE INSURANCE COMPANY | 90 | $86K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 151 | $92K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 151 | $92K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 151 | $74K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 151 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.