| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION A MARSH & MCLLENNAN AGY LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | AMERIHEALTH INS. CO. | — | — | $0 | 0.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 6.32% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | THE GRAHAM COMPANY 1 PENN SQ W PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $292 | $292 | 0.73% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 6.13% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $913 | $913 | 6.26% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $26 | — | $26 | 0.24% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $101 | $101 | 6.27% |
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 | 85 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INS. CO. | 101 | $852K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $40K |
| Vision | VISION SERVICE PLAN | 68 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $44K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 35 | $29K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.