| 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, SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $31K | $31K | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | $0 | $24K | $24K | 1.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2 AUSTIN, TX 78746 | HARTFORD LIFE AND ACCIDENT | $0 | $19K | $19K | 0.93% |
| UNKNOWN3 | UNKNOWN CHAMBLEE, GA 30341 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $943 | $943 | — |
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 | 1,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 909 | $0 |
| Vision | VISION SERVICE PLAN | 871 | $106K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,028 | $2.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,028 | $2.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,028 | $2.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,615 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,615 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.