| 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 | $166K | $166K | 5.00% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BLDG. F, SUITE 110 CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $67K | $67K | 2.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | DELTA DENTAL OF NJ, INC. | $11K | $0 | $11K | 4.86% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 ROUTE 35 SUITE 36B WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.26% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 10.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 10.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 8.32% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY SUITE 1 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $928 | $0 | $928 | 9.15% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $148 | $0 | $148 | 10.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $74 | $74 | 5.02% |
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 | 257 | 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) | 257 | 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 | 250 | $3.3M |
| Dental | DELTA DENTAL OF NJ, INC. | 438 | $227K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $10K |
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 257 | $407K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2 | $1K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 247 | $211K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 255 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.