| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 5.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVE OF THE AMERICANS NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | -$818 | $2K | $1K | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2600 S. TELEGRAPH RD. BLOOMFIELD HILLS, MI 48302 | ARAG INSURANCE COMPANY | $902 | — | $902 | 10.00% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | ZURICH AMERICAN INSURANCE COMPANY | $397 | — | $397 | 15.01% |
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 | 247 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 297 | $3.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 297 | $149K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 297 | $149K |
| Prescription drug(4 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 162 | $2.8M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 297 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.