| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1800 RT 34 BUILDING 4 SUITE 404A BELMAR, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $98K | $10K | $108K | 14.34% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $90K | $8K | $97K | 16.25% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 RT 34 BLDG 4 STE 404A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $18K | $18K | 3.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 1540 CORNERSTONE BLVD STE 200 DAYTONA BEACH, FL 32117 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $4K | $23K | 11.77% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCI LLC | 1800 RT 34 BLDG 4 STE 404 A WALL, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 18.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | THE LINCOLN NATIONAL LIFE INSURANCE | $14K | $1K | $15K | 16.42% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 RT 34 BLDG 4 STE 404A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $3K | $3K | 3.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $846 | $11K | 16.29% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 RT 34 BLDG 4 STE 404A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| JAMES R NELLIGAN & ASSOCS LLC3 | 1800 RT 34 BUILDING 4 STE 404 A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 72.32% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNDERGIES GROUP | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $8K | $15K | 55.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES R NELLIGAN & ASSOC LLC BROKER | Other commissions; Claims processing; Contract Administrator Service code 12 | 1800 RT 34 BLDG 4 STE 404A WALL, NJ 07719 | $168K |
| CORPORATE SYNERGIES GROUP LLC BROKER | Claims processing; Other commissions; Contract Administrator Service code 12 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | $161K |
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 | 12,792 | 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) | 12,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,426 | $756K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,300 | $198K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,792 | $624K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,792 | $27K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $189K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,792 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.