| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $79K | $16K | $95K | 5.85% |
| DGS BENEFITS, INC.3 | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 6.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 6.51% |
| THOMAS MURPHY7 | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.21% |
| DGS BENEFITS, INC.3 | 79 CHESTNUT STREET SUITE 101 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. | $6K | — | $6K | 5.91% |
| 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 | $1K | $5K | 15.82% |
| DGS BENEFITS, INC.3 Filed as: DGS BENEFITS INC. | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 6.88% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 112 | $1.6M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 118 | $105K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $194K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $209K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $194K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 112 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.