| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS, LLC | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $76K | $76K | 2.94% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $50K | $50K | 1.96% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$155 | -$155 | -0.01% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS, LLC | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 4.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.98% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $759 | $759 | 0.23% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS, LLC | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 12.74% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $926 | $0 | $926 | 3.25% |
| KORE INSURANCE HOLDINGS LLC4 Filed as: KORE INSURANCE HOLDINGS, LLC | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $294 | $0 | $294 | 7.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC4 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1800 ROUTE 34, SUITE 404A WALL TOWNSHIP, NJ 07719 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $232 | $0 | $232 | 5.53% |
| TONYA M MACK4 Filed as: TONYA M. MACK | 5023 WEST QUINCY STREET CHICAGO, IL 60644 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $168 | $0 | $168 | 4.01% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 336 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $335K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $335K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $364K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $29K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 336 | $2.6M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.