| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $7K | $31K | 9.75% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 3.77% |
| PGM INSURANCE SERVICES, LLC3 | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $813 | $5K | 1.48% |
| ACRISURE LLC4 Filed as: ACRISURE NJ PARTNERS | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $795 | $0 | $795 | 10.58% |
| NEW CHARTERS LLC4 Filed as: NEW CHARTERS, LLC | PO BOX 8927 ELIZABETH, NJ 07201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $282 | $0 | $282 | 3.75% |
| ALAMAY GETACHEW4 | 140-50 ASH AVENUE, APARTMENT 4D FLUSHING, NY 11355 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.35% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $320K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $320K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $320K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $320K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $320K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.