| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 100 GROWTH DR STE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.49% |
| DONATO HOLDINGS INC3 | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 4.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $814 | $814 | 0.88% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 100 GRANITE DR STE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.55% |
| DONATO HOLDINGS INC3 | 100 GRANITE DR STE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 5.31% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $510 | $510 | 0.85% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 100 GRANITE DR STE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.33% |
| DONATO HOLDINGS INC3 | 100 GRANITE DR STE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 5.28% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $488 | $488 | 0.83% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 100 GRANITE DR STE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.51% |
| DONATO HOLDINGS INC3 | 100 GRANITE DR STE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 5.23% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $394 | $394 | 0.86% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 100 GRANITE DR STE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $850 | $0 | $850 | 7.53% |
| DONATO HOLDINGS INC3 | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $278 | $174 | $452 | 4.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $98 | $98 | 0.87% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $93K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $59K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $60K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $46K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.