| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ASHTON BENEFITS | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $16K | $26K | 9.57% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $5K | $16K | 5.90% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $8K | $8K | 3.04% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | — | $1K | 1.73% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 16.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.58% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 21.97% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | $358 | $785 | 4.31% |
| THOMAS BENEFITS INC3 | 14 CHANDLER ST SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $684 | $89 | $773 | 4.25% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | $235 | $754 | 4.14% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 1.15% |
| STEPHEN CORRIVEAU3 | 420 GRANGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $3 | $45 | 0.25% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $5 | $11 | 0.06% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 34.76% |
| SOTERIA PARTNERS LLC3 | 8 SPRUCE STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $738 | $802 | $2K | 8.83% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $851 | $240 | $1K | 6.25% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 13 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $658 | $379 | $1K | 5.94% |
| JEFFREY D BAKER3 | 16 MAPLE ROAD OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | — | $326 | 1.87% |
| THOMAS BENEFITS INC3 | 14 CHANDLER ST SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.92% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $42 | $86 | 0.49% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $870 | $3K | 19.32% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $789 | $789 | 5.00% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 23.60% |
| JUSTIN CLARK ETTS3 | 1903 GREVE AVENUE SPRING LAKE, NJ 07762 | THE PAUL REVERE LIFE INSURANCE COMPANY | $736 | $120 | $856 | 5.64% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $589 | $109 | $698 | 4.60% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST PHILADELPHIA, PA 19106 | THE PAUL REVERE LIFE INSURANCE COMPANY | $501 | — | $501 | 3.30% |
| SEAMLESS BENEFITS LLC3 | 6211 TIMBER ROCK LN GREENVILLE, SC 29609 | THE PAUL REVERE LIFE INSURANCE COMPANY | $261 | $1 | $262 | 1.73% |
| ZEBEST INC3 | 3 GORING PL WAPPINGERS FALLS, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $98 | — | $98 | 0.65% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 26.98% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $374 | $789 | 5.27% |
| THOMAS BENEFITS INC3 | 14 CHANDLER ST SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $669 | $77 | $746 | 4.99% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | $245 | $735 | 4.91% |
| STEPHEN CORRIVEAU3 | 420 GRANGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $5 | $101 | 0.68% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $10 | $45 | 0.30% |
| JESSICA A BOUTILETTE3 Filed as: JESSICA ANN BOUTILETTE | 14 YOUMANS AVE WASHINGTON, NJ 07882 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.19% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $12 | $25 | 0.17% |
| DAVID IANNACONE3 | 14 BEACH ST EAST HANOVER, NJ 07936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.10% |
| ACRISURE LLC3 Filed as: ACRISURE | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $380 | — | $380 | 2.90% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $473 | $2K | 15.60% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $94 | $373 | 2.85% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $141 | $372 | 2.85% |
| JEFFREY D BAKER3 | 16 MAPLE ROAD OXFORD, MA 01540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | — | $285 | 2.18% |
| ZEBEST INC3 | 3 GORING PL WAPPINGERS FALLS, NY 12590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 1.19% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $37 | $76 | 0.58% |
| THOMAS BENEFITS INC3 | 14 CHANDLER ST SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 18.82% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $547 | $89 | $636 | 5.01% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST PHILADELPHIA, PA 19106 | THE PAUL REVERE LIFE INSURANCE COMPANY | $582 | — | $582 | 4.58% |
| JUSTIN CLARK ETTS3 | 1903 GREVE AVENUE SPRING LAKE, NJ 07762 | THE PAUL REVERE LIFE INSURANCE COMPANY | $350 | $57 | $407 | 3.20% |
| SEAMLESS BENEFITS LLC3 | 6211 TIMBER ROCK LN GREENVILLE, SC 29609 | THE PAUL REVERE LIFE INSURANCE COMPANY | $175 | $1 | $176 | 1.39% |
| NICOLE KOSCO3 Filed as: NICOLE D KOSCO | 15 WOODLAND RD MONTVILLE, NJ 07045 | THE PAUL REVERE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.30% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.17% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $867 | $3K | 24.97% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $258 | $545 | 4.72% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $27 | $535 | 4.64% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $171 | $515 | 4.46% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $65 | $133 | 1.15% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 1.00% |
| ZEBEST INC3 | 3 GORING PL WAPPINGERS FALLS, NY 12590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $550 | $2K | 18.75% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $246 | $505 | 4.82% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $115 | $346 | 3.30% |
| WALTER FABIAN PRADO3 | 153 MAC ARTHUR AVE GARFIELD, NJ 07026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | — | $307 | 2.93% |
| NICOLE KOSCO3 Filed as: NICOLE D KOSCO | 15 WOODLAND RD MONTVILLE, NJ 07045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 1.01% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 29.97% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARISPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $490 | $100 | $590 | 5.93% |
| JUSTIN CLARK ETTS3 | 1903 GREVE AVENUE SPRING LAKE, NJ 07762 | THE PAUL REVERE LIFE INSURANCE COMPANY | $456 | $74 | $530 | 5.33% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST PHILADELPHIA, PA 19016 | THE PAUL REVERE LIFE INSURANCE COMPANY | $504 | — | $504 | 5.07% |
| SEAMLESS BENEFITS LLC3 | 6211 TIMBER ROCK LN GREENVILLE, SC 29609 | THE PAUL REVERE LIFE INSURANCE COMPANY | $298 | $1 | $299 | 3.01% |
| ZEBEST INC3 | 3 GORING PL WAPPINGERS FALL, NY 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.42% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $382 | $340 | $722 | 9.44% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $382 | $382 | 5.00% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $444 | $1K | 21.52% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $162 | $328 | 4.78% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $15 | $289 | 4.21% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $96 | $272 | 3.96% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $35 | $71 | 1.03% |
| JASON SCZEPANIAK3 Filed as: JASON C SHARPIO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $12 | $60 | 0.87% |
| KIMANI MATTHEW3 | 52 CANTON RD WEST SIMSBURY, CT 06092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $1 | $53 | 0.77% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $772 | $280 | $1K | 19.02% |
| WORKSITE WHEELHOUSE3 Filed as: WORKSITE WHEELHOUSE LLC | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $127 | $363 | 6.56% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $115 | $252 | 4.56% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 1.08% |
| THOMAS BENEFITS INC3 | 14 CHANDLER ST SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $2 | $18 | 0.33% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.20% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.05% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $628 | $272 | $900 | 25.68% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $107 | $213 | 6.08% |
| KIMANI MATTHEW3 | 52 CANTON RD WEST SIMSBURY, CT 06092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $15 | $182 | 5.19% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $50 | $148 | 4.22% |
| ZEBEST INC3 | 3 GOIRING PL WAPPINGERS FALLS, NY 12590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.86% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 4.42% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 4.42% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 2.48% |
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 | 738 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 81 | $291K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 541 | $270K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 541 | $270K |
| Life insurance(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $71K |
| Short-term disability(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $16K |
| Other(15 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.