| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 | 200 W. ADAMS SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | — | $4K | $4K | 0.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.51% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS, LLC | 2700 CUMBERLAND PKWY SUITE 140 ATLANTA, GA 30339 | ALLIED BENEFIT SYSTEMS, LLC | — | $96K | $96K | 58.96% |
| ALLIED BENEFIT SYSTEMS, LLC5 | — | ALLIED BENEFIT SYSTEMS, LLC | — | $38K | $38K | 23.51% |
| MERITAIN HEALTH0 Filed as: AETNA LIFE INSURANCE COMPANY | — | ALLIED BENEFIT SYSTEMS, LLC | — | $28K | $28K | 17.53% |
| ENROLLEASE3 Filed as: ONE DIGITAL | — | ARCH | $8K | — | $8K | 5.77% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | — | ARCH | $6K | — | $6K | 4.35% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS, LLC | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | DELTA DENTAL OF NEW JERSEY, INC. | — | $5K | $5K | 3.99% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $800 | — | $800 | 3.82% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98 | — | $98 | 3.70% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIED BENEFIT SYSTEMS, LLC | 137 | $162K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 255 | $115K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $279K |
| Short-term disability(2 contracts, 2 carriers) | ARCH | 228 | $164K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $258K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 136 | $715K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.