| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE INC | 1260 CREEK ST WEBSTER, NY 14580 | EXCELLUS BLUE CROSS BLUE SHIELD | $68K | — | $68K | 3.73% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 4.85% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 8.90% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $1K | $1K | 3.31% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | COMPANION LIFE INSURANCE COMPANY | — | $701 | $701 | 3.39% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | MUTUAL OF OMAHA INSURANCE COMPANY | $517 | — | $517 | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $258 | $258 | 4.99% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $175 | $175 | 3.39% |
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 | 257 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 124 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO | 212 | $92K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 257 | $26K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 257 | $38K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 257 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.