| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 2.96% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA SCIROCCO GRP | 777 TERRACE AVE SUITE 309 HASBROUCK HEIGHTS, NJ 07604 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $612 | $3K | 2.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701B ST 6TH FLR SAN DIEGO, CA 92101 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $422 | $2K | 1.63% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA SCIROCCO GROUP | 777 TERRACE AVE SUITE 309 HASBROUCK HEIGHTS, NJ 07604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $759 | $6K | 4.86% |
| 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 | $5K | — | $5K | 4.40% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA SCIROCCO GROUP | 777 TERRACE AVE SUITE 309 HASBROUCK HEIGHTS, NJ 07604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $434 | $6K | 6.28% |
| 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 | $3K | — | $3K | 2.98% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST 6TH FLR SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $880 | $231 | $1K | 1.14% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA SCIROCCO GRP | 777 TERRACE AVE SUITE 309 HASBROUCK HEIGHTS, NJ 07604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $343 | $7K | 9.42% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST 6TH FL SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $230 | $5K | 6.33% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD SUITE 240 NAPLES, FL 34110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.99% |
| ACRICURE, LLC DBA SCIROCCO GROUP3 | 777 TERRACE AVE #309 HASBROUCK HEIGHTS, NJ 07604 | EYEMED | $2K | — | $2K | 7.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 3600 N CAPITAL OF TEXAS HWY BUILDING B SUITE 2 AUSTIN, TX 78746 | EYEMED | $499 | — | $499 | 2.44% |
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 | 404 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 219 | $138K |
| Vision | EYEMED | 404 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $174K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $97K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.