| 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, STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $18K | $18K | 3.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 1.65% |
| THE LOOMIS COMPANY3 | 850 N. PARK ROAD WYOMISSING, PA 19610 | DELTA DENTAL OF PENNSYLVANIA | $621 | $0 | $621 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION BENEFITS OF AMERICA | $367 | $0 | $367 | 3.81% |
| THE LOOMIS COMPANY3 | 850 N. PARK ROAD WYOMISSING, PA 19610 | VISION BENEFITS OF AMERICA | $114 | $0 | $114 | 1.18% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT DAVIES | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | HARTFORD LIFE AND ACCIDENT | $143 | $0 | $143 | 15.05% |
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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 918 | $176K |
| Vision | VISION BENEFITS OF AMERICA | 349 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 427 | $467K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 427 | $467K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 427 | $467K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 1,511 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,511 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.