| 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 | $4K | $0 | $4K | 10.00% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
| 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 | $4K | $0 | $4K | 10.00% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| 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 | $3K | $0 | $3K | 10.00% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 55 EAST JACKSON BOULEVARD #14B CHICAGO, IL 60604 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $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 | $1K | $0 | $1K | 10.00% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $449 | $449 | 4.00% |
| 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 | $1K | $0 | $1K | 10.00% |
| BENETEK CORPORATION3 Filed as: BENETEK CORPORATION DBA WEB BENEFIT | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $415 | $415 | 4.00% |
| 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 | $469 | $0 | $469 | 10.00% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD #300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $188 | $188 | 4.01% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 385 | $104K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 385 | $104K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 160 | $47K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 51 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $44K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 256 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.