| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 402 STATE AVENUE EMMAUS, PA 18049 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $37K | — | $37K | 3.70% |
| 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 | $5K | $551 | $6K | 14.43% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $238 | $4K | 12.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $91 | $2K | 15.75% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $608 | $608 | 5.00% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 49.97% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 116 | $988K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $38K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 116 | $988K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $12K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $32K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 116 | $988K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.