| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 | 402 STATE AVENUE EMMAUS, PA 18049 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.09% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY, STE. 400 ALBANY, NY 122042507 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.15% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVE. EMMAUS, PA 180493026 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 4.56% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD., STE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $6K | 14.78% |
| JULIA GEORGE3 | 123 WINCHESTER ROAD MERION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 12.24% |
| MORGAN PERRI3 | 23 VOM EIGEN DR. MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $227 | $3K | 6.84% |
| LISA A PERRI3 Filed as: LISA A. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $783 | $2K | 5.49% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $782 | $302 | $1K | 2.82% |
| MICHAEL J PERRI3 Filed as: MICHAEL J. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $14 | $48 | 0.13% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD., STE. 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.26% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD., STE. 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.73% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD., STE. 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.75% |
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 | 488 | 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) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 396 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $102K |
| Vision | AETNA LIFE INSURANCE CO. | 396 | $3.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $44K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 318 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $35K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.