| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEREK G. SPENCER3 | 222 RIDGEDALE AVENUE, SUITE 1A CEDAR KNOLLS, NJ 07927 | UNITEDHEALTHCARE INSURANCE COMPANY | $66K | $0 | $66K | 2.40% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 0.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN SVCS | 354 EISENHOWER PARKWAY, SUITE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 0.75% |
| JOSEPH A. SPENCER III3 | 222 RIDGEDALE AVENUE, SUITE 1A CEDAR KNOLLS, NJ 07927 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.27% |
| DEREK G. SPENCER3 Filed as: DEREK GEOFFREY SPENCER | 222 RIDGEDALE AVENUE, SUITE 1A CEDAR KNOLLS, NJ 07927 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.13% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35 WALL TOWNSHIP, NJ 07719 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.66% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | PRINCIPAL LIFE INSURANCE COMPANY | $924 | $0 | $924 | 1.27% |
| JOSEPH A. SPENCER III3 Filed as: JOSEPH ALOYSIUS SPENCER | 222 RIDGEDALE AVENUE, SUITE 1A CEDAR KNOLLS, NJ 07927 | PRINCIPAL LIFE INSURANCE COMPANY | $496 | $0 | $496 | 0.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 7.46% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $2.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $2.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $2.7M |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $48K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $73K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $73K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $2.7M |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 267 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.