| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY | 402 STATE AVENUE EMMAUS, PA 180493026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $34K | $34K | 1.83% |
| RICHARD WAYNE BRYSON3 Filed as: RICHARD W. BRYSON INS AGENCY, INC. | 3777 LONG BEACH BOULEVARD 5TH FLOOR LONG BEACH, CA 90807 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.17% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY | 402 STATE AVE EMMAUS, PA 18049 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 7.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, SC 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $508 | $2K | $3K | 4.62% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD., STE 500 LONG BEACH, CA 90807 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $465 | $0 | $465 | 0.77% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY | 402 STATE AVE EMMAUS, PA 18049 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $446 | $2K | $2K | 4.59% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD., STE 500 LONG BEACH, CA 90807 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $651 | $0 | $651 | 1.23% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY | 402 STATE AVE EMMAUS, PA 18049 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.07% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $205 | $906 | $1K | 4.59% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD., STE 500 LONG BEACH, CA 90807 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $239 | $0 | $239 | 0.99% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY | 402 STATE AVE EMMAUS, PA 18049 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $514 | $0 | $514 | 11.02% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40 | $175 | $215 | 4.61% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD., STE 500 LONG BEACH, CA 90807 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46 | $0 | $46 | 0.99% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $97K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $97K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $24K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 245 | $53K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 246 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.