| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC. | 1800 STATE ROUTE 34 STE 404A BLDG 4 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $16 | $10K | 5.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 3.50% |
| MICHAEL DEPHILLIPS3 | 300 BROADACRES DR. STE 150 BLOOMFIELD, NJ 07003 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.91% |
| NATALIE FAIRCHILD3 | 1028 FREEDOM ST LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY STE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO, INC. | 1787 SENTRY PKWY BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.01% |
| NATALIE FAIRCHILD3 Filed as: NATALIE M FAIRCHILD | 1028 FREEDOM ST LITITZ, PA 17543 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $558 | $0 | $558 | 16.00% |
| PATRICK EDWARD GANGEMI3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $363 | $0 | $363 | 10.41% |
| WALTER W WOLAK3 | STE 320 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.43% |
| JOSEPH P MALLEE3 | 3701 CORPORATE PKWY STE 32 CENTER VALLEY, PA 18034 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4 | $5 | $9 | 0.26% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $193K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $193K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $193K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.