| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | $0 | $3K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | $0 | $3K | 4.97% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $1K | $6K | 18.62% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 5.07% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF CONNECTICUT, INC. | $290 | — | $290 | 5.01% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | DELTA DENTAL OF CONNECTICUT, INC. | $288 | — | $288 | 4.97% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 110 | $56K |
| Vision | DELTA DENTAL OF CONNECTICUT, INC. | 104 | $6K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 97 | $31K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 97 | $31K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 97 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.