| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | RELIANCE STANDARD | $5K | $0 | $5K | 7.22% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC,THE | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | RELIANCE STANDARD | $4K | $0 | $4K | 4.80% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | RELIANCE STANDARD | $2K | $0 | $2K | 3.00% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC THE | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | RELIANCE STANDARD | $915 | $0 | $915 | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $305 | $0 | $305 | 5.00% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC THE | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | RELIANCE STANDARD | $455 | $0 | $455 | 14.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $152 | $0 | $152 | 5.01% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $269 | $0 | $269 | 10.51% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $128 | $0 | $128 | 5.00% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC THE | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | RELIANCE STANDARD | $115 | $0 | $115 | 4.49% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $258 | $0 | $258 | 10.48% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $123 | $0 | $123 | 5.00% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC THE | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | RELIANCE STANDARD | $111 | $0 | $111 | 4.51% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $230 | $0 | $230 | 10.49% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $110 | $0 | $110 | 5.02% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC THE | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | RELIANCE STANDARD | $99 | $0 | $99 | 4.52% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC THE | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | RELIANCE STANDARD | $218 | $0 | $218 | 15.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $73 | $0 | $73 | 5.03% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC THE | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | RELIANCE STANDARD | $53 | $0 | $53 | 15.06% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $18 | $0 | $18 | 5.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $36K |
| INNOVU EIN 81-1938789 OTHER | Other services Service code 49 | — | $541 |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD | 215 | $74K |
| Vision | RELIANCE STANDARD | 215 | $74K |
| Life insurance | RELIANCE STANDARD | 159 | $6K |
| Short-term disability | RELIANCE STANDARD | 32 | $3K |
| Long-term disability | RELIANCE STANDARD | 28 | $1K |
| Stop-loss / reinsurancereinsurance | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 103 | $113K |
| Other(5 contracts) | RELIANCE STANDARD | 159 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.