| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $18K | $2K | $20K | 16.25% |
| TERRIANN PROCIDA3 | 101A FOSTER RD MOORESTOWN, NJ 08075 | HORIZON HEALTHCARE SERVICES, INC. | $1K | — | $1K | 3.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| TERRIANN PROCIDA3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE DENTAL, INC. | $482 | — | $482 | 3.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | SUN LIFE ASSURANCE COMPANY OF CANADA | $985 | — | $985 | 8.35% |
| TERRIANN PROCIDA3 | 101A FOSTER RD MOORESTOWN, NJ 08075 | HORIZON HEALTHCARE SERVICES, INC. | $1K | — | $1K | 10.00% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 82 | $57K |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 113 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $38K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 227 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.