| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 12.93% |
| FAIRMOUNT BENEFITS INC5 | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $829 | $4K | 13.00% |
| FAIRMOUNT BENEFITS INC5 | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $514 | $2K | 13.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 100 W MATSONFORD RD STE 2-110 RADNOR, PA 19087 | VISION SERVICE PLAN | $961 | $0 | $961 | 6.44% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $38 | $0 | $38 | 0.25% |
| FAIRMOUNT BENEFITS INC5 | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $420 | $2K | 13.00% |
| FAIRMOUNT BENEFITS INC5 Filed as: FAIRMOUNT BENEFITS | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $309 | $93 | $402 | 12.99% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $84K |
| Vision | VISION SERVICE PLAN | 79 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $3K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.