| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $15K | $15K | $30K | 19.59% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVE. EMMAUS, PA 18049 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $2K | $6K | 6.84% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY LLC | 402 STATE AVE. EMMAUS, PA 18049 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.73% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $739 | — | $739 | 2.91% |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $93K |
| Vision | STANDARD INSURANCE COMPANY | 202 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 296 | $154K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 296 | $154K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 296 | $154K |
| Other | HARTFORD LIFE AND ACCIDENT | 296 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
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.