| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $50K | — | $50K | 7.01% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 5.02% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $2K | $10K | 6.44% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.92% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PKY LIVINGSTON, NJ 07039 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.84% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.96% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN& ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.57% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PKY LIVINGSTON, NJ 07039 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.92% |
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 | 331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 1,025 | $4.4M |
| Vision | VISION SERVICE PLAN | 231 | $24K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 378 | $865K |
| Short-term disability | STANDARD INSURANCE COMPANY | 60 | $18K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $195K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 1,025 | $4.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,025 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.