| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA NORTHEAST, INC. | 1451 ROUTE 34 STE 101 FARMINGDALE, NJ 07727 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 8.46% |
| 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 | — | $302 | $302 | 0.22% |
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA NORTHEAST, INC. | 1451 ROUTE 34 STE 101 FARMINGDALE, NJ 07727 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 8.35% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $175 | $175 | 0.23% |
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA NORTHEAST, INC. | 1451 ROUTE 34 STE 101 FARMINGDALE, NJ 07727 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.17% |
| 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 | — | $121 | $121 | 0.25% |
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA NORTHEAST, INC. | 1451 ROUTE 34 STE 101 FARMINGDALE, NJ 07727 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.32% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES | 51 MADISON AVE NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $205 | $205 | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W. BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $195 | — | $195 | 1.02% |
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA NORTHEAST, INC. | 1451 ROUTE 34 STE 101 FARMINGDALE, NJ 07727 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $755 | — | $755 | 8.60% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE RTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $19 | $19 | 0.22% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 54 | $503K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $554K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $76K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 70 | $135K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 79 | $48K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
No prospect flags tripped on this filing.