| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NEILLIGAN& ASSOCIATES | 1800 ROUTE 34 BLFG. 4 #404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $34K | — | $34K | 5.00% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | STANDARD INSURANCE COMPANY | $34K | — | $34K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR. STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NEILLIGAN& ASSOCIATES | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $4K | $11K | 8.02% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NEILLIGAN& ASSOCIATES | 1800 ROUTE 34 BLFG. 4 #404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.86% |
| KORE INSURANCE HOLDINGS LLC | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.01% |
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 | 333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 1,039 | $4.5M |
| Vision | VISION SERVICE PLAN | 240 | $24K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 377 | $813K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $183K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.