| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 | 402 STATE AVENUE EMMAUS, PA 18049 | AETNA LIFE INSURANCE CO. | $28K | — | $28K | 1.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 RTE. 34, BLDG. 4 WALL, NJ 07719 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 0.31% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY LLC | 402 STATE AVE EMMAUS, PA 18049 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 RT. 34 BLDG. 4 SUITE 404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $758 | — | $758 | 4.61% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY LLC | 402 STATE AVE EMMAUS, PA 18049 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.24% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 RT. 34 BLDG. 4 SUITE 404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $760 | — | $760 | 4.63% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 402 STATE AVENUE EMMAUS, PA 18049 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $789 | — | $789 | 6.00% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY LLC | 402 STATE AVE EMMAUS, PA 18049 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 RT. 34 BLDG. 4 SUITE 404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $564 | — | $564 | 4.55% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 312 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO. | 312 | $1.4M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 267 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 139 | $16K |
| Short-term disability | STANDARD INSURANCE COMPANY | 84 | $16K |
| Long-term disability | STANDARD INSURANCE COMPANY | 27 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.