| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $23K | $5K | $28K | 1.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $8K | $8K | 0.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $6K | $6K | 0.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $754 | $754 | 0.03% |
| LEOPOLDO D MATARAZZO3 | 52 FOREST AVE PARAMUS, NJ 07652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 7.14% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $357 | — | $357 | 15.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $263 | — | $263 | 15.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $33 | — | $33 | 5.04% |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 405 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 405 | $2.8M |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 405 | $2.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $346K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1 | $794 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $346K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.