| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KERRIGAN, THOMAS B3 Filed as: KERRIGAN, THOMAS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $70K | — | $70K | 4.75% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $65K | $65K | 4.41% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | — | $62K | 4.25% |
| KERRIGAN, THOMAS B3 Filed as: KERRIGAN, THOMAS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 1.11% |
| ASSUREDPARTNERS3 Filed as: AP BENFIT ADVISORS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 1.04% |
| PLATNUM PLANNING INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17 | — | $17 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | DBA ASSUREDPARTNERS WB 718 RIVER ROAD FAIR HAVEN, NJ 07704 | DELTA DENTAL OF NEW JERSEY, INC | $14K | — | $14K | 2.91% |
| THOMAS B KERRIGAN3 | 305 OLD BRIDGE ROAD BRIELLE, NJ 08730 | DELTA DENTAL OF NEW JERSEY, INC | $14K | — | $14K | 2.91% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 520 CROMWELL AVENUE ROCKY HILL, CT 06067 | DELTA DENTAL OF NEW JERSEY, INC | $10K | — | $10K | 2.09% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 3.33% |
| KERRIGAN, THOMAS B3 | 305 OLD BRIDGE ROAD BRIELLE, NJ 08730 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.25% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVIC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $880 | $2K | 0.68% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $466 | $466 | 0.13% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 3.36% |
| KERRIGAN, THOMAS B3 | 305 OLD BRIDGE ROAD BRIELLE, NJ 08730 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.70% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVIC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $416 | $624 | $1K | 0.41% |
| KERRIGAN, THOMAS B3 | 305 OLD BRIDGE ROAD BRIELLE, NJ 08730 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.98% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVIC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $165 | $3K | 5.27% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 35 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.33% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $190 | $190 | 0.29% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METLIFE LEGAL PLANS | $5K | — | $5K | 37.04% |
| THOMAS B KERRIGAN3 | 305 OLD BRIDGE ROAD BRIELLE, NJ 08730 | METLIFE LEGAL PLANS | $338 | — | $338 | 2.61% |
| KERRIGAN, THOMAS B3 | 305 OLD BRIDGE ROAD BRIELLE, NJ 08730 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $768 | — | $768 | 7.70% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUUITE 368 WALL, NJ 07719 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $722 | $722 | 7.24% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVIC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $231 | $16 | $247 | 2.48% |
| KERRIGAN, THOMAS B3 | 305 OLD BRIDGE ROAD BRIELLE, NJ 08730 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $769 | — | $769 | 11.83% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $257 | $257 | 3.95% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVIC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $206 | $11 | $217 | 3.34% |
| KERRIGAN, THOMAS B3 | 305 OLD BRIDGE ROAD BRIELLE, NJ 08730 | FIRST UNUM LIFE INSURANCE COMPANY | $510 | — | $510 | 9.63% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVIC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | FIRST UNUM LIFE INSURANCE COMPANY | $284 | $14 | $298 | 5.63% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | — | $170 | $170 | 3.21% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | — | $16 | $16 | 0.30% |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 775 | $1.5M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 370 | $468K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 775 | $1.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $417K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $604K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $351K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 775 | $1.5M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.