| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F. KENNEDY PARKWAY SUITE 52 SHORT HILLS, NJ 07078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $6K | $35K | 7.74% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $742 | $23K | 5.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MOUNT KEMBLE AVENUE MORRISTOWN, NJ 07962 | HORIZON HEALTHCARE SERVICES, INC. | $7K | $0 | $7K | 3.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | PO BOX 416315 BOSTON, MA 02241 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.44% |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 366 | $194K |
| Vision | VISION SERVICE PLAN | 323 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 463 | $447K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 463 | $447K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 463 | $447K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 463 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.