| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM STREET STE 200 SYRACUSE, NY 13204 | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | $4K | — | $4K | 3.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | — | $4K | $4K | 3.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | $4K | — | $4K | 4.95% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | — | $2K | $2K | 2.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $327 | $5K | 16.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | $3K | — | $3K | 13.31% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | — | $871 | $871 | 3.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | $548 | — | $548 | 12.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | — | $133 | $133 | 3.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 500 PLUM ST SUITE 200 SYRACUSE, NY 13204 | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | $310 | — | $310 | 10.54% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | — | $8 | $8 | 0.27% |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $33K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $33K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | 341 | $103K |
| Short-term disability(2 contracts) | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | 198 | $79K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | 184 | $25K |
| Other(2 contracts) | NEW YORK LIFE INSURANCE COMPANY OF NY/CIGNA LIFE INSURANCE CO | 341 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.