| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 6.12% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER RD FAIR HAVEN, NJ 07704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 6.12% |
| ASSUREDPARTNERS3 Filed as: AP BENEIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.05% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | DELTA DENTAL OF NEW JERSERY, INC. | $12K | — | $12K | 7.88% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 6.18% |
| FLAGSHIP HEALTH SYSTEMS INC.3 | 3210 N ACADEMY BLVD #1 COLORADO SPRINGS, CO 80917 | ALPHA DENTAL PROGRAMS, INC. | $3K | $4K | $6K | 4.98% |
| AP BENEFIT ADVISORS, LLC3 | 718 RIVER RD FAIR HAVEN, NJ 07704 | ALPHA DENTAL PROGRAMS, INC. | $4K | — | $4K | 3.00% |
| AP BENEFIT ADVISORS, LLC3 | 718 RIVER RD FAIR HAVEN, NJ 077043359 | VISION SERVICE PLAN | $3K | — | $3K | 2.16% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $3K | — | $3K | 2.26% |
| SAVOY ASSOCIATES3 | 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 1.79% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | HOIRZON HEALTHCARE DENTAL, INC. | $2K | — | $2K | 2.26% |
| SAVOY ASSOCIATES3 | 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HOIRZON HEALTHCARE DENTAL, INC. | $2K | — | $2K | 1.79% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.15% |
| 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 | 4.53% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $844 | $844 | 6.28% |
| AP BENEFIT ADVISORS, LLC3 | 718 RIVER RD FAIR HAVEN, NJ 07704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMIN | Claims processing; Contract Administrator Service code 12 | — | $269K |
| THE LOOMIS COMPANY EIN 22-2238132 ADMIN | Claims processing; Contract Administrator Service code 12 | — | $244K |
| 6 DEGREES EIN 81-4242649 ADMIN | Contract Administrator; Claims processing Service code 12 | — | $101K |
| AP BENEFIT ADVISORS ADMIN | Claims processing; Contract Administrator Service code 12 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | $14K |
| 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 | 886 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 890 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF NEW JERSERY, INC. | 218 | $494K |
| Vision | VISION SERVICE PLAN | 697 | $119K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 886 | $71K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 886 | $203K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 886 | $177K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 886 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.