| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER RD #220 FLORHAM PARK, NJ 07932 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA INC. | $9K | — | $9K | 6.50% |
| 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 | $9K | $2K | $11K | 12.73% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | BUILDING 4 SUITE 404A 1800 ROUTE 34 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $572 | $5K | 5.68% |
| 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 | $5K | $647 | $5K | 15.77% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | BUILDING 4 SUITE 404A 1800 ROUTE 34 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $205 | $2K | 5.22% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113 | — | $113 | 0.34% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER RD #220 FLORHAM PARK, NJ 07932 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA INC. | $1K | — | $1K | 6.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES EIN 26-3294132 | Insurance agents and brokers Service code 22 | — | $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 | 327 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA INC. | 327 | $160K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $84K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $84K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.