| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.83% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD #300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $811 | — | $811 | 2.08% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.97% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD #300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $560 | — | $560 | 2.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.79% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD #300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $552 | — | $552 | 2.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 55 EAST JACKSON BOULEVARD # 14B CHICAGO, IL 60604 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $588 | — | $588 | 5.81% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD #300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $405 | $405 | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $212 | — | $212 | 2.09% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $524 | — | $524 | 5.87% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD #300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $357 | $357 | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $184 | — | $184 | 2.06% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $334 | — | $334 | 6.11% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD #300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $219 | $219 | 4.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $106 | — | $106 | 1.94% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 73 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $91K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $91K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $38K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 50 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $39K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 155 | $515K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 246 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.