| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN E PAYNE & ASSOCIATES3 | 125 WASHINGTON AVE. STE. 208A DUMONT, NJ 07628 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.07% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 4.62% |
| SUSAN E PAYNE & ASSOCIATES3 | 125 WASHINGTON AVE. STE. 208A DUMONT, NJ 07628 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.11% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.04% |
| SUSAN E PAYNE & ASSOCIATES3 | 700 KINDERKAMACK ROAD ORADELL, NJ 07649 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 13.24% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.58% |
| SUSAN E PAYNE & ASSOCIATES3 | 700 KINDERKAMACK ROAD ORADELL, NJ 07649 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $561 | — | $561 | 6.47% |
| SUSAN E PAYNE & ASSOCIATES3 | 700 KINDERKAMACK ROAD STE 206 ORADELL, NJ 07649 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $414 | — | $414 | 8.84% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $397 | — | $397 | 8.48% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $533 | — | $533 | 14.19% |
| SUSAN E PAYNE & ASSOCIATES3 | 700 KINDERKAMACK ROAD ORADELL, NJ 07649 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $358 | — | $358 | 9.53% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $86K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.