| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF NEW JERSEY, INC. | $38K | $0 | $38K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $31K | $31K | 5.20% |
| SETH JASON KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | $0 | $29K | 5.01% |
| PAUL AMATA3 Filed as: PAUL E. AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 1.67% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 1.37% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 1.02% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PTNRS. INS. SVCS., LLC | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 0.36% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF CONNECTICUT, INC. | $6K | $0 | $6K | 5.00% |
| ACRISURE LLC4 Filed as: ACRISURE, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 25.68% |
| NEW CHARTERS LLC4 Filed as: NEW CHARTERS, LLC | PO BOX 8927 ELIZABETH, NJ 07201 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $988 | $0 | $988 | 15.00% |
| SOAR TO SUCCESS LLC4 Filed as: SOAR TO SUCCESS, LLC | 28 ONEIDA STREET NEW BRITAIN, CT 06053 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $84 | $0 | $84 | 1.28% |
| KELLEY J RHEAULT4 Filed as: KELLEY J. RHEAULT | UNKNOWN SOMERSET, NJ 08873 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.43% |
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 | 2,038 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,728 | $757K |
| Vision | DELTA DENTAL OF CONNECTICUT, INC. | 1,651 | $113K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 680 | $588K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 680 | $588K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 680 | $588K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 680 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,728 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.