| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $48K | $104K | 2.81% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS LLC | 8605 BROADWAY MERRILLVILLE, IN 464107033 | METROPOLITAN LIFE INSURANCE COMPANY | $83K | $17 | $83K | 2.25% |
| MATRIX INSURANCE AGENCY3 Filed as: THE MATRIX GROUP INC | 10319 DAWSONS CREEK BLVD, STE D FORT WAYNE, IN 46825 | UNUM INSURANCE COMPANY | $72K | — | $72K | 13.24% |
| WORKPLACE SOLUTIONS, INC.0 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $141 | $46 | $187 | 0.03% |
| BOUDREAUX, BEAU, DAVID0 Filed as: BOUDREAUX, BEAU D | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS GROUP | 8605 BROADWAY MERRILLVILLE, IN 46410 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 1.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8605 BROADWAY, STE A MERRILLVILLE, IN 46410 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 1.09% |
| NELLIGAN3 Filed as: NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WAIL, NJ 07719 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 0.91% |
| MATRIX INSURANCE AGENCY3 Filed as: THE MATRIX GROUP INC | 10319 DAWSONS CREEK BLVD, STE D FORT WAYNE, IN 46825 | UNUM INSURANCE COMPANY | $32K | — | $32K | 13.49% |
| WORKPLACE SOLUTIONS, INC.0 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $363 | $78 | $441 | 0.18% |
| BOUDREAUX, BEAU, DAVID0 Filed as: BOUDREAUX, BEAU D | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $27 | — | $27 | 0.01% |
| MATRIX INSURANCE AGENCY3 Filed as: THE MATRIX GROUP INC | 10319 DAWSONS CREEK BLVD STE D FORT WAYNE, IN 46825 | UNUM INSURANCE COMPANY | $40K | — | $40K | 24.44% |
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 | 4,468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,824 | $3.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 8,466 | $391K |
| Short-term disability | UNUM INSURANCE COMPANY | 1,314 | $240K |
| Other(2 contracts) | UNUM INSURANCE COMPANY | 1,217 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,824 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.