| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BLVD SUITE 400 CARMEL, IN 46032 | PARAMOUNT DENTAL | $8K | — | $8K | 10.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 9225 PRIORITY WAY WEST DR STE 100 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $6K | $1K | $7K | 18.05% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 9225 PRIORITY WAY WEST DR INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $3K | $578 | $3K | 18.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $950 | — | $950 | 5.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 9225 PRIORITY WAY WEST DR STE 100 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $2K | $378 | $2K | 17.98% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $635 | — | $635 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $79K |
| MJ INSURANCE EIN 35-1109367 BROKER | Other commissions Service code 55 | — | $21K |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 240 | $75K |
| Life insurance | STANDARD INSURANCE COMPANY | 118 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 31 | $13K |
| Long-term disability | STANDARD INSURANCE COMPANY | 31 | $19K |
| Stop-loss / reinsurancereinsurance | SUN LIFE | 99 | $837K |
| Other | STANDARD INSURANCE COMPANY | 118 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.