| 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 | $69K | — | $69K | 3.71% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 4.76% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST WEBSTER, NY 14580 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 6.45% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | MUTUAL OF OMAHA INSURANCE COMPANY | $946 | — | $946 | 2.48% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST WEBSTER, NY 14580 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 7.54% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | COMPANION LIFE INSURANCE COMPANY | $524 | — | $524 | 2.47% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST WEBSTER, NY 14580 | MUTUAL OF OMAHA INSURANCE COMPANY | $400 | — | $400 | 7.53% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $266 | $266 | 5.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | MUTUAL OF OMAHA INSURANCE COMPANY | $131 | — | $131 | 2.47% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 148 | $1.9M |
| Dental | AETNA LIFE INSURANCE CO | 242 | $93K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 264 | $21K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 264 | $38K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 264 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.