| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C3 GROUP, LLC3 Filed as: THE C3 GROUP,LLC | PO BOX 554 CLARKS SUMMIT, PA 18411 | HIGHMARK, INC | $38K | — | $38K | 6.29% |
| C3 GROUP, LLC3 Filed as: C3 GROUP,LLC | PO BOX 554 CLARKS SUMMIT, PA 18411 | GUARDIAN | $4K | — | $4K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | GUARDIAN | $2K | — | $2K | 5.00% |
| INDEPENDENCE PLANNING GROUP3 | 5100 TILGHMAN ST SUITE 310 ALLENTOWN, PA 18104 | GUARDIAN | — | — | $0 | 0.00% |
| C3 GROUP, LLC3 Filed as: C3 GROUP LLC | PO BOX 554 CLARKS SUMMIT, PA 18411 | SUN LIFE INSURANCE COMPANY OF CANADA | $2K | — | $2K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE RD, SUITE 240 NAPLES, FL 34110 | SUN LIFE INSURANCE COMPANY OF CANADA | $609 | — | $609 | 5.00% |
| C3 GROUP, LLC3 | PO BOX 554 CLARKS SUMMIT, PA 18411 | SUN LIFE INSURANCE COMPANY OF CANADA | $2K | — | $2K | 15.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD, SUITE 240 NAPLES, FL 34110 | SUN LIFE INSURANCE COMPANY OF CANADA | $601 | — | $601 | 5.06% |
| C3 GROUP, LLC3 Filed as: C3 GROUP | PO BOX 554 CLARKS SUMMIT, PA 18411 | GUARDIAN | $1K | — | $1K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD, SUITE 240 NAPLES, FL 34110 | GUARDIAN | $557 | — | $557 | 5.00% |
| INDEPENDENCE PLANNING GROUP3 | 5100 TILGHMAN ST., SUITE 310 ALLENTOWN, PA 18104 | GUARDIAN | $11 | — | $11 | 0.10% |
| C3 GROUP, LLC3 | PO BOX 554 CLARKS SUMMIT, PA 18411 | SUN LIFE INSURANCE COMPANY OF CANADA | $1K | — | $1K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD, SUITE 240 NAPLES, FL 34110 | SUN LIFE INSURANCE COMPANY OF CANADA | $426 | — | $426 | 5.00% |
| C3 GROUP, LLC3 | PO BOX 554 CLARKS SUMMIT, PA 18411 | SUN LIFE INSURANCE COMPANY OF CANADA | $2K | — | $2K | 100.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD, SUITE 240 NAPLES, FL 34110 | SUN LIFE INSURANCE COMPANY OF CANADA | $771 | — | $771 | 33.35% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC | 143 | $604K |
| Dental | GUARDIAN | 88 | $39K |
| Vision | GUARDIAN | 88 | $11K |
| Life insurance | SUN LIFE INSURANCE COMPANY OF CANADA | 106 | $9K |
| Short-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 106 | $2K |
| Long-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 106 | $12K |
| Prescription drug | HIGHMARK, INC | 143 | $604K |
| Other | SUN LIFE INSURANCE COMPANY OF CANADA | 106 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.