| 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 | $38K | $7K | $45K | 8.72% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVENUE EMMAUS, PA 18049 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 4.98% |
| JP WARNER ASSOCIATES, INC.3 Filed as: JP WARNER ASSOCIATES INC | 485 DEVON PARK DRIVE, SUITE 103 WAYNE, PA 19087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 18.99% |
| HARRY LORE3 | 4 GLANFORD CROSSING MEDFORD, NJ 08055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.56% |
| DONALD C SAVOY INC3 | 25 B HANOVER RD. STE 220 FLORHAM PARK, NJ 07932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.49% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET NEW YORK, NY 10005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $929 | — | $929 | 4.02% |
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 | 658 | 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) | 658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $514K |
| Vision | AETNA LIFE INSURANCE CO. | 907 | $43K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $514K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $514K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.