| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY STE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $0 | $35K | 5.86% |
| RSC INSURANCE BROKERAGE INC3 | TWO RADNOR CORPORATE CENTER STE 110 WAYNE, PA 19087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $5K | $23K | 3.82% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 1.32% |
| RSC INSURANCE BROKERAGE INC3 | 100 W MATSONFORD RD STE 2-110 RADNOR, PA 19087 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.69% |
| FAIRMOUNT BENEFITS INC3 | 100 MATSONFORD RD RADNOR, PA 19087 | VISION SERVICE PLAN | $180 | $0 | $180 | 0.75% |
| RSC INSURANCE BROKERAGE INC3 | 2 RADNOR CORPORATE CENTER STE 110 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY | $2K | $36 | $2K | 15.31% |
| RCS INSURANCE BROKERAGE, INC.3 Filed as: RCS INSURANCE BROKERAGE, INC | 2 RADNOR CORPORATE CENTER STE 110 RADNOR, PA 19087 | UNUM INSURANCE COMPANY | $1K | $6 | $1K | 15.07% |
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 | 534 | 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) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 534 | $604K |
| Vision | VISION SERVICE PLAN | 356 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 534 | $604K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 534 | $604K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 534 | $604K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 534 | $635K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.