| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $143K | $143K | 3.66% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BLDG. F, SUITE 110 CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $78K | $78K | 2.00% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES, INC. | 259 PROSPECT PLAINS ROAD BLDG.F, SUITE 130 CRANBURY, NJ 08512 | DELTA DENTAL OF NJ, INC. | $8K | $0 | $8K | 2.92% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | DELTA DENTAL OF NJ, INC. | $8K | $0 | $8K | 2.92% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | DELTA DENTAL OF NJ, INC. | $7K | $0 | $7K | 2.42% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 9.17% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | STANDARD INSURANCE COMPANY | $18K | $1K | $19K | 10.71% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC. LLC | 1933 ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 2.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 6.84% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 4.59% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.09% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66 | $0 | $66 | 10.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 ROUTE 35 SUITE 368 WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $46 | $46 | 6.99% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 244 | $3.9M |
| Dental | DELTA DENTAL OF NJ, INC. | 490 | $275K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $10K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 256 | $376K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1 | $658 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $178K |
| Other | HARTFORD LIFE AND ACCIDENT | 253 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.