| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 | 1275 GLENLIVET DRIVE, SUITE 340 ALLENTOWN, PA 18106 | HIGHMARK INC. | $33K | — | $33K | 6.30% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVE. EMMAUS, PA 18049 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF PENNSYLVANIA | $688 | — | $688 | 2.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD., STE. 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.32% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD., STE. 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.33% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD., STE. 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $834 | $3K | 21.35% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 402 STATE AVE. EMMAUS, PA 180493026 | VISION SERVICE PLAN | $712 | — | $712 | 8.34% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | VISION SERVICE PLAN | $434 | — | $434 | 5.09% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD, STE. 300 BETHESDA, MD 208142544 | VISION SERVICE PLAN | $39 | — | $39 | 0.46% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD., STE. 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $608 | $255 | $863 | 21.29% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 77 | $528K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 124 | $34K |
| Vision | VISION SERVICE PLAN | 71 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $4K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $13K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $24K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.