| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 4.50% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | D/B/A ASSURED PARTNERS WB 718 RIVER RD FAIR HAVEN, NJ 07704 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 3.87% |
| BOON ADMINISTRATIVE SERVICES5 | 234 SPRING LAKE DR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 3.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 6632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.70% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | 160 W SANTA CLARA ST STE 675 SAN JOSE, CA 95113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.56% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.44% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.25% |
| BOON ADMINISTRATIVE SERVICES3 | 234 SPRING LAKE DR ITASCA, IL 60143 | METLIFE LEGAL PLANS | — | $3K | $3K | 23.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | METLIFE LEGAL PLANS | $668 | — | $668 | 5.61% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | DBA ASSUREDPARTNERS 718 RIVER RD FAIR HAVEN, NJ 07704 | METLIFE LEGAL PLANS | $284 | — | $284 | 2.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 CLAIMS ADMINISTRATOR | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | — | $90K |
| THE LOOMIS COMPANY BROKER | Insurance brokerage commissions and fees Service code 53 | 850 N. PARK ROAD P. O. BOX 7011 WYOMISSING, PA 19610 | $76K |
| HINES & ASSOCIATES, INC. EIN 36-3545085 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $19K |
| ASSURED PARTNERS WB EIN 27-5176829 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $19K |
| CBIZ BENEFITS & INSURANCE SERVICES EIN 22-2769024 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $8K |
| ZELIS CLAIMS INTEGRITY INC. EIN 47-4319823 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $5K |
| PREMIER HEALTHCARE EXCHANGE INC. EIN 86-1040704 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $2K |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $207K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $207K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $207K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $70K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.