| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEM, LLC5 | 200 W ADAMS SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | — | $5K | $5K | 0.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $15K | 5.41% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.00% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PKWY SUITE 140 ATLANTA, GA 30339 | ALLIED BENEFIT SYSTEMS, LLC | — | $99K | $99K | 57.58% |
| ALLIED BENEFIT SYSTEM, LLC5 | — | ALLIED BENEFIT SYSTEMS, LLC | — | $40K | $40K | 22.95% |
| MERITAIN HEALTH0 Filed as: AETNA LIFE INSURANCE COMPANY | — | ALLIED BENEFIT SYSTEMS, LLC | — | $33K | $33K | 19.46% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PKWY SUITE 140 ATLANTA, GA 30339 | DELTA DENTAL OF NEW JERSEY, INC | — | $5K | $5K | 3.77% |
| JAMES R NELLIGAN & ASSOCS LLC3 Filed as: JAMES R MELLIGAN 7 ASSOCIATES LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | SHELTERPOINT LIFE INSURANCE COMPANY | $11K | — | $11K | 9.81% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLARIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.97% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $502 | — | $502 | 3.07% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W, VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $522 | $522 | 4.99% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 4.93% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 4.75% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIED BENEFIT SYSTEMS, LLC | 147 | $172K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 156 | $133K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $298K |
| Short-term disability(5 contracts, 2 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 215 | $149K |
| Long-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $295K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 149 | $799K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.