| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY, STE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.69% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY, STE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $411 | $6K | 12.33% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST P.O. BOX 99106 CAMDEN, NJ 08101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $875 | — | $875 | 1.86% |
| STUART MIGDON3 | 900 US HIGHWAY, 9 N STE 503 WOODBRIDGE, NJ 07095 | VISION SERVICE PLAN | $940 | — | $940 | 4.17% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST P.O. BOX 99106 CAMDEN, NJ 08101 | VISION SERVICE PLAN | $385 | — | $385 | 1.71% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.31% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $324 | $324 | 2.14% |
| VINCENT MORELLI3 | 746 5TH ST LYNDHURST, NJ 07071 | AFLAC | $226 | — | $226 | 2.44% |
| LESLEY ANN KEENAN3 | 3000 S HIGHWAY A1A APT 202 JUPITER, FL 33477 | AFLAC | $218 | — | $218 | 2.35% |
| STUART MIGDON3 | 1909 JOSEPH CT WALL TOWNSHIP, NJ 07719 | AFLAC | $89 | — | $89 | 0.96% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE CT ATCO, NJ 08004 | AFLAC | $57 | — | $57 | 0.61% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $42 | — | $42 | 0.45% |
| ROSEMARIE DIAZ3 | 605 UNIVERSE BLVD APT T816 JUNO BEACH, FL 33408 | AFLAC | $37 | — | $37 | 0.40% |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $28 | — | $28 | 0.30% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $23 | — | $23 | 0.25% |
| GEORGE PADRON3 | 11 S CENTRAL AVE APT 2115 PHOENIX, AZ 85004 | AFLAC | $19 | — | $19 | 0.20% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $11 | — | $11 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $11 | — | $11 | 0.12% |
| DAVID GROSSMAN3 Filed as: DAVID A IANNACONE | 185 FAIRFIELD AVE STE 1C W CALDWELL, NJ 07006 | AFLAC | $7 | — | $7 | 0.08% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD STE 600 TARRYTOWN, NY 10591 | AFLAC | $6 | — | $6 | 0.06% |
| MICHAEL DZIUBA3 | 2 FRANCES ST CLIFTON, NJ 07014 | AFLAC | $4 | — | $4 | 0.04% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE STE 1005 BOCA RATON, FL 33487 | AFLAC | $4 | — | $4 | 0.04% |
| REY ROSTAMI3 | P.O. BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $2 | — | $2 | 0.02% |
| KEVIN MCCARTHY3 | 197 LANG DR N KINGSTOWN, RI 02852 | AFLAC | $2 | — | $2 | 0.02% |
| TOMAS FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.01% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $513 | — | $513 | 9.78% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $103 | $103 | 1.96% |
| GREENBERG & RAPP FINANCIAL GROUP3 | 72 EAGLE ROCK AVE STE 302 EAST HANOVER, NJ 07936 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 7.03% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $44 | $44 | 1.95% |
| STUART MIGDON3 | 900 RT 9 NORTH SUITE 503 WOODBRIDGE, NC 07095 | METLIFE LEGAL PLANS | $85 | — | $85 | 6.40% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METLIFE LEGAL PLANS | $22 | — | $22 | 1.66% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 186 | $2.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 186 | $2.2M |
| Vision | VISION SERVICE PLAN | 95 | $23K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $47K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $104K |
| Long-term disability(3 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $23K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 186 | $2.2M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.