| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOTTINGHAM AGENCY INC3 | 2277 ROUTE 33, SUITE 404 GOLDEN CREST CORPORATE CENTER HAMILTON SQUARE, NJ 08690 | UNITEDHEALTHCARE INSURANCE COMPANY | $148K | $0 | $148K | 4.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $31K | $31K | 0.83% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $5K | $23K | 7.61% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | 1600 BROADWAY, SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 4.00% |
| NOTTINGHAM AGENCY INC3 | 2277 HIGHWAY 33, SUITE 404 HAMILTON, NJ 08690 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.64% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SNTRY PARKWAY W BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 6.50% |
| NOTTINGHAM AGENCY INC3 | 2277 ROUTE 33 HAMILTON, NJ 08690 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.57% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $229 | $3K | 4.23% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST, SUITE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $526 | $3K | 4.19% |
| LISA A PERRI3 | 775 ROUTE 70 EAST, SUITE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $900 | $698 | $2K | 2.61% |
| ACRIALPS LLC3 Filed as: ACRIALPS LLC AND OTHER AGENTS | PO BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $237 | $2K | 2.49% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ LLC | 1317 ROUTE 73 MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.97% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST, SUITE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $726 | $304 | $1K | 1.68% |
| NOTTINGHAM AGENCY INC3 Filed as: NOTTINGHAM AGENCY LLC | 2277 ROUTE33, SUITE 404 HAMILTON, NJ 08690 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.80% |
| JAMES R NELLIGAN & ASSOCS LLC3 Filed as: JAMES RNELLIGAN AND ASSOCIATES LLC | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | SHELTERPOINT LIFE INSURANCE COMPANY | $80 | $0 | $80 | 0.45% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 403 | $3.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 276 | $301K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 276 | $301K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $174K |
| Short-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $432K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $113K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 403 | $3.7M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 76 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.