| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | HORIZON HEALTHCARE SERVICES, INC. | $61K | — | $61K | 2.45% |
| CUSTOMIZED BENEFIT SOLUTIONS3 Filed as: CUSTOMIZED BENEFIT SOLUTIONS, INC. | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | HORIZON HEALTHCARE DENTAL, INC. | $5K | — | $5K | 3.83% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | SUN LIFE ASSURANCE OF CANADA | $7K | — | $7K | 11.94% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | SUN LIFE ASSURANCE OF CANADA | $2K | — | $2K | 4.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 21.14% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 24110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 21.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOLALEE RD STE 240 NAPLES, FL 34410 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 20.59% |
| SAVOY ASSOCIATES3 | 4AAA DRIVE, SUITE 205 HAMILTON, NJ 08691 | MAGELLAN BEHAVIORAL HEALTH | $723 | — | $723 | 10.00% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 150 | $2.5M |
| Dental | HORIZON HEALTHCARE DENTAL, INC. | 167 | $132K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $12K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 150 | $2.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
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.