| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | PO BOX 3430 CARMEL, IN 46082 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $538 | $8K | 16.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.93% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | PO BOX 3430 CARMEL, IN 46082 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $516 | $7K | 16.16% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $135 | $3K | 21.06% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $637 | — | $637 | 5.00% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $282 | $2K | 24.09% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $345 | — | $345 | 5.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | PO BOX 3430 CARMEL, IN 46082 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $960 | $152 | $1K | 23.17% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $423 | $35 | $458 | 16.22% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $141 | — | $141 | 4.99% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $48K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 17 | $7K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 50 | $44K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.