| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMSTRONG, DOYLE & CARROLL, INC.3 Filed as: ARMSTRONG DOYLE & CARROLL, INC. | 1285 DRUMMERS LANE STE 201 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $14K | 17.59% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | BUILDING 4 STE 404A 1800 ROUTE 34 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 9.00% |
| JOHN M DOYLE3 | 1285 DRUMMERS LANE #201 WAYNE, PA 19087 | LINCOLN FINANCIAL GROUP | $2K | — | $2K | 15.00% |
| JOHN M DOYLE3 | 1285 DRUMMERS LANE #201 WAYNE, PA 19087 | LINCOLN FINANCIAL GROUP | $625 | — | $625 | 5.00% |
| JOHN M DOYLE3 | 1285 DRUMMERS LANE #201 WAYNE, PA 19087 | LINCOLN FINANCIAL GROUP | $366 | — | $366 | 7.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 | Contract Administrator Service code 13 | — | $5K |
| JAMES R NELLIGAN & ASSOCIATES EIN 26-3294132 | Insurance brokerage commissions and fees Service code 53 | — | $0 |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN FINANCIAL GROUP | 257 | $5K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $89K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
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.