| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | GREAT MIDWEST INSURANCE COMPANY | — | $7K | $7K | 1.11% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 9.96% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER RD FAIR HAVEN, NJ 07704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.43% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 10.16% |
| ASSUREDPARTNERS Filed as: AP BENEIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.33% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 8.25% |
| AP BENEFIT ADVISORS, LLC3 | 718 RIVER RD FAIR HAVEN, NJ 07704 | ALPHA DENTAL PROGRAMS, INC. | $4K | — | $4K | 3.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $4K | — | $4K | 3.03% |
| AP BENEFIT ADVISORS, LLC3 | 718 RIVER RD FAIR HAVEN, NJ 077043359 | VISION SERVICE PLAN | $3K | — | $3K | 2.42% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | DELTA DENTAL OF NEW JERSERY, INC. | $12K | — | $12K | 10.73% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | HOIRZON HEALTHCARE DENTAL, INC. | $3K | — | $3K | 3.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 10.44% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.78% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $974 | $3K | 22.07% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $509 | $509 | 3.70% |
| AP BENEFIT ADVISORS, LLC3 | 718 RIVER RD FAIR HAVEN, NJ 07704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.00% |
| AP BENEFIT ADVISORS, LLC3 | 718 RIVER RD FAIR HAVEN, NJ 07704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 19.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LOOMIS COMPANY EIN 22-2238132 ADMIN | Claims processing; Contract Administrator Service code 12 | — | $245K |
| CIGNA EIN 59-1031071 ADMIN | Contract Administrator; Claims processing Service code 12 | — | $168K |
| ZELIS CLAIMS INTEGRITY INC. EIN 86-1040704 ADMIN | Claims processing; Contract Administrator Service code 12 | — | $64K |
| 6 DEGREES EIN 81-4242649 ADMIN | Contract Administrator; Claims processing Service code 12 | — | $8K |
| AP BENEFIT ADVISORS ADMIN | Contract Administrator; Claims processing Service code 12 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | $7K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $5K |
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 | 854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | ALPHA DENTAL PROGRAMS, INC. | 185 | $469K |
| Vision | VISION SERVICE PLAN | 676 | $121K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $66K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $181K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $159K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 563 | $630K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.