| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 1275 GLENLIVET DR. SUITE 145 ALLENTOWN, PA 18106 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $4K | — | $4K | 8.73% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $136 | $1K | 16.75% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | — | $87 | 1.12% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.57% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $582 | $102 | $684 | 11.75% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.43% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $340 | $40 | $380 | 16.75% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28 | — | $28 | 1.23% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 101 | $50K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 101 | $50K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $14K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $7K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $2K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.