| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 | 402 STATE AVENUE EMMAUS, PA 18049 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 7.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD NAPLES, FL 34110 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 3.32% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 RTE 34, BLDG. 4 WALL, NJ 07719 | AETNA LIFE INSURANCE CO. | $888 | — | $888 | 2.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE. 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $7K | 20.00% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX BENEFITS CONSULTING | 402 STATE AVENUE EMMAUS, PA 18049 | VISION BENEFITS OF AMERICA | $637 | — | $637 | 6.82% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 169 | $44K |
| Vision | VISION BENEFITS OF AMERICA | 85 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 88 | $34K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 88 | $34K |
| Other | HARTFORD LIFE AND ACCIDENT | 88 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.