| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $36K | $36K | 0.91% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 29840 NETWORK PL CHICAGO, IL 600731298 | TRIPLE S SALUD, INC. | $29K | — | $29K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 15.00% |
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 | 42,829 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 42,913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 109 | $574K |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 1,367 | $799K |
| Vision | VISION SERVICE PLAN | 11,993 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 26,700 | $2.4M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 20,338 | $8.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,084 | $3.9M |
| Prescription drug | TRIPLE S SALUD, INC. | 109 | $574K |
| Other(4 contracts, 4 carriers) | TRIPLE S SALUD, INC. | 42,829 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,829 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.