| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | $44K | $0 | $44K | 8.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQUARE W FL 25 PHILADELPHIA, PA 19102 | AMERIAS LIFE INSURANCE CORP. | $6K | $0 | $6K | 7.33% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE 35 STE 368 WALL, NJ 07719 | AMERIAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 5.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | 30 S 15TH ST FL 25 PHILADELPHIA, PA 19102 | AMERIAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 2.67% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQUARE WEST FL 25 PHILADELPHIA, PA 19102 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.26% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7844 LANCASTER, PA 17604 | STANDARD INSURANCE COMPANY | $767 | $416 | $1K | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH 7 MCLENNAN AGENCY LLC | 1 PENN SQUARE WEST FL 25 PHILADELPHIA, PA 19102 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 61.73% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $519 | $0 | $519 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RXBENEFITS, INC. EIN 63-1157085 ADMIN | 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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 0 | $107K |
| Dental | AMERIAS LIFE INSURANCE CORP. | 312 | $83K |
| Vision | AMERIAS LIFE INSURANCE CORP. | 312 | $83K |
| Life insurance | STANDARD INSURANCE COMPANY | 202 | $52K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 172 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.