| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $45K | — | $45K | 1.27% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY STE 4000 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 23.75% |
| 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 | $2K | $1K | $3K | 16.10% |
| 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 | $721 | $439 | $1K | 16.10% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | COMPANION LIFE INSURANCE COMPANY | $112 | $72 | $184 | 16.40% |
| 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 | $32 | $20 | $52 | 16.20% |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 593 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $69K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $69K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 122 | $1K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 122 | $7K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 593 | $3.5M |
| Other(3 contracts, 2 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 593 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.