| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL BENEFIT SOLUTIONS3 Filed as: TOTAL BENEFIT SOLUTIONS LLC | 4133 MERCHANT DRIVE SUITE 4 NEWBURGH, IN 47630 | PARAMOUNT DENTAL | $7K | — | $7K | 7.50% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON TRAIL CARMEL, IN 46234 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $4K | $10K | 22.96% |
| STEELE INSURANCE3 Filed as: STEELE INS & FINANCIAL SERVICES INC | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES & NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON TRAIL CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 27.96% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, IN 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON TRAIL CARMEL, IN 46032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 23.84% |
| STEELE INSURANCE3 Filed as: STEELE INS & FINANCIAL SERVICES INC | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 , STE 368 WALL TOWNSHIP, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON TRAIL CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $937 | $3K | 23.43% |
| STEELE INSURANCE3 Filed as: STEELE INS & FINANCIAL SERVICES INC | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $555 | $555 | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $555 | $555 | 5.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON TRAIL CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $251 | $284 | $535 | 31.96% |
| STEELE INSURANCE3 Filed as: STEELE INS & FINANCIAL SERVICES INC | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $84 | $84 | 5.02% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $84 | $84 | 5.02% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 327 | $88K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 297 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $28K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 297 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.