| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $100K | — | $100K | 8.94% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | — | $39K | 3.48% |
| TRUE NETWORK OF ADVISORS LLC3 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 0.84% |
| THE SAFEGARD GROUP INC3 Filed as: THE SAFEGARD GROUP, INC. | 100 GRANITE DRIVE, SUITE 205 MEDIA, PA 19063 | DELTA DENTAL OF NEW JERSEY | $12K | — | $12K | 2.46% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF NEW JERSEY | $9K | — | $9K | 1.76% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 100 GRANITE DRIVE, SUITE 205 MEDIA, PA 19063 | VISION SERVICE PLAN | $4K | — | $4K | 4.46% |
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 | 3,001 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,001 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY | 1,144 | $489K |
| Vision | VISION SERVICE PLAN | 613 | $79K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,279 | $1.1M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,279 | $1.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,279 | $1.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,279 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,279 | — |
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.