| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $53K | $15K | $68K | 4.50% |
| DGS BENEFITS, INC.3 | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 11.39% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20K | $20K | 10.74% |
| THOMAS MURPHY7 | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 2.29% |
| DGS BENEFITS, INC.3 | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | — | $5K | 5.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 19.50% |
| DGS BENEFITS, INC.3 Filed as: DGS BENEFITS INC. | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $753 | — | $753 | 8.51% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $510 | $510 | 5.76% |
| THOMAS MURPHY7 | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $56 | — | $56 | 0.63% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 103 | $1.5M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 107 | $96K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $188K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $197K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $188K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 103 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.