| 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 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.33% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 ROUTE 34 BLDG 4 #404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.58% |
| ARMSTRONG, DOYLE & CARROLL, INC.3 Filed as: ARMSTRONG DOYLE & CARROLL, INC | 1285 DRUMMERS LANE STE 201 WAYNE, PA 19087 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.54% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 ROUTE 34 BLDG 4 #404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.71% |
| ARMSTRONG, DOYLE & CARROLL, INC.3 Filed as: ARMSTRONG DOYLE & CARROLL, INC | 1285 DRUMMERS LANE STE 201 WAYNE, PA 19087 | AETNA LIFE INSURANCE CO | $3K | — | $3K | 6.77% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER RD FLORHAM PARK, NJ 07932 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA INC. | $2K | — | $2K | 10.09% |
| ARMSTRONG, DOYLE & CARROLL, INC.3 Filed as: ARMSTRONG DOYLE & CARROLL, INC | 1285 DRUMMERS LANE STE 201 WAYNE, PA 19087 | INDEPENDENCE ADMINISTRATORS | $40K | — | $40K | — |
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 | 266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 266 | $0 |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 144 | $60K |
| Life insurance | STANDARD INSURANCE COMPANY | 196 | $58K |
| Short-term disability | STANDARD INSURANCE COMPANY | 188 | $76K |
| Prescription drug | INDEPENDENCE ADMINISTRATORS | 266 | $0 |
| Stop-loss / reinsurancereinsurance | INDEPENDENCE ADMINISTRATORS | 266 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.