| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCI | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.17% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCI | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $643 | $643 | 1.14% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNGTINGTON INSURANCE INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.58% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.66% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCI | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $661 | $661 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.69% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCI | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.73% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | PCG HUNTINGTON INSURANCE COLUMBUS, OH 43260 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.38% |
| LOVSCO GROUP CONSULTING3 | ONE WOODWARD AVENUE DETROIT, MI 48226 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCI | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $128 | $128 | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD SUITE 200 KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $756 | — | $756 | 8.79% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $534 | — | $534 | 6.21% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | HARTFORD LIFE AND ACCIDENT | $113 | — | $113 | 15.07% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 226 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 405 | $120K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $53K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $56K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
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.