| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.17% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 19.63% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY STE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $598 | $4K | 5.76% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $13K | 19.60% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 14.39% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON ST SYRACUSE, NY 13204 | VISION SERVICE PLAN | $2K | — | $2K | 3.89% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $222 | — | $222 | 0.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 16.72% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATGES LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 22.75% |
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 | 271 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 268 | $45K |
| Life insurance(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $221K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $69K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 271 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.