| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN RD, SUITE 310 MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $46K | $13K | $59K | 3.64% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $10K | $3K | $13K | 0.78% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15K | $15K | 8.15% |
| DGS BENEFITS, INC.3 | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 4.98% |
| THE SEGAL COMPANY3 Filed as: NEAL SEGAL | 1825 WELLSTEAD STEET MOUNT PLEASANT, SC 29466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.38% |
| 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 | 5.00% |
| THE SEGAL COMPANY3 Filed as: NEAL SEGAL | 1825 WELLSTEAD STREET MOUNT PLEASANT, SC 29466 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | — | $5K | 4.93% |
| DGS BENEFITS, INC.3 | 302 OAK RIDGE ROAD OAK RIDGE, NJ 07438 | DELTA DENTAL OF NEW JERSEY, INC. | $1K | — | $1K | 1.07% |
| 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 | $3K | $424 | $4K | 14.60% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $795 | $795 | 8.54% |
| DGS BENEFITS, INC.3 Filed as: DGS BENEFITS INC. | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $540 | — | $540 | 5.80% |
| THE SEGAL COMPANY3 Filed as: NEAL SEGAL | 1825 WELLSTEAD STEET MOUNT PLEASANT, SC 29466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $391 | — | $391 | 4.20% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 105 | $1.6M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 112 | $100K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $182K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $191K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $182K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 105 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.