| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR. STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 3.31% |
| KORE INSURANCE HOLDINGS LLC | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 3.18% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NEILLIGAN& ASSOCIATES | 1800 ROUTE 34 BLFG. 4 #404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 2.93% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PKWY SUITE, NJ 07039 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| SAVOY ASSOCIATES | 25B HANOVER RD STE220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 7.51% |
| KORE INSURANCE HOLDINGS LLC | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.21% |
| SAVOY ASSOCIATES | 25B HANOVER RD STE220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $186 | $186 | 0.41% |
| KORE INSURANCE HOLDINGS LLC | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $933 | — | $933 | 8.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NEILLIGAN& ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $389 | $389 | 3.34% |
| SAVOY ASSOCIATES | 25B HANOVER RD STE220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $194 | $194 | 1.66% |
| KORE INSURANCE HOLDINGS LLC | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $750 | — | $750 | 11.99% |
| SAVOY ASSOCIATES | 25B HANOVER RD STE220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $470 | $470 | 7.52% |
| SAVOY ASSOCIATES | 25B HANOVER RD STE220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $26 | $26 | 0.42% |
| KORE INSURANCE HOLDINGS LLC | 354 EISENHOWER PRKWY LIVINGSTON, NJ 07039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $129 | — | $129 | 8.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NEILLIGAN& ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $54 | $54 | 3.35% |
| SAVOY ASSOCIATES | 25B HANOVER RD STE220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $27 | $27 | 1.68% |
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 | 336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 1,063 | $4.4M |
| Vision | VISION SERVICE PLAN | 241 | $16K |
| Life insurance(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 373 | $833K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $135K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 336 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,063 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.