| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 402 STATE AVE EMMAUS, PA 18049 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | DELTA DENTAL OF PENNSYLVANIA | $668 | — | $668 | 1.82% |
| C3 GROUP, LLC3 Filed as: C3 GROUP LLC | PO BOX 554 CLARKS SUMMIT, PA 18411 | DELTA DENTAL OF PENNSYLVANIA | $166 | — | $166 | 0.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | DELTA DENTAL OF PENNSYLVANIA | $67 | — | $67 | 0.18% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 24.67% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 25.42% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 24.80% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 402 STATE AVE EMMAUS, PA 180493026 | VISION SERVCIE PLAN | $681 | — | $681 | 7.95% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | VISION SERVCIE PLAN | $495 | — | $495 | 5.78% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD STE 300 BETHESDA, MD 208142544 | VISION SERVCIE PLAN | $21 | — | $21 | 0.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, PA 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $607 | $393 | $1K | 24.71% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 75 | $37K |
| Vision | VISION SERVCIE PLAN | 74 | $9K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $12K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.