| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINS AGENCY GROUP3 Filed as: HIGGINS AGENCY GROUP INC | — | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK | $26K | — | $26K | 1.48% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | — | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK | $2K | — | $2K | 0.14% |
| HIGGINS AGENCY GROUP3 Filed as: HIGGINS AGENCY GROUP INC | 270 NORTHPOINTE PARKWAY SUITE 10 AMHERST, NY 14228 | SUN LIFE AND HEALTH INSURANCE COMANY | $12K | — | $12K | 9.15% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | SUN LIFE AND HEALTH INSURANCE COMANY | $6K | — | $6K | 4.58% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | $4K | $13K | 20.02% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $3K | $9K | 20.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | COMPANION LIFE INSURANCE COMPANY | $3K | $2K | $5K | 21.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $977 | $3K | 20.33% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NY 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $786 | $2K | 20.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $687 | $2K | 19.59% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | COMPANION LIFE INSURANCE COMPANY | $249 | $115 | $364 | 19.96% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | $55 | $25 | $80 | 19.75% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK | 334 | $1.7M |
| Dental | SUN LIFE AND HEALTH INSURANCE COMANY | 155 | $132K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 182 | $28K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 155 | $74K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 93 | $44K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK | 334 | $1.7M |
| Other(3 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 182 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.