| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: SAVOY AND ASSOCIATES | 25B HANOVER ROAD-SUITE 2 FLORHAM, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 3.65% |
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE, INC. | 140 BROADWAY, 41ST FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.81% |
| DAVID SOLOMONS3 Filed as: DAVID SOLOMONS-MAX TOTAL BEN. SOL. | 140 BROADWAY, 46TH FL NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.70% |
| DAVID SOLOMONS3 Filed as: DAVID SOLOMONS-MAX TOTAL BEN. SOL. | 140 BROADWAY, 46TH FL NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 7.78% |
| DAVID SOLOMONS3 Filed as: DAVID SOLOMONS-MAX TOTAL BENEFIT SO | 140 BROADWAY, 46TH FL NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 15.01% |
| DAVID SOLOMONS3 Filed as: DAVID SOLOMONS-MAX TOTAL BENEFIT SO | 140 BROADWAY, 46TH FL NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DAVID SOLOMONS3 Filed as: DAVID SOLOMONS-MAX TOTAL BENEFIT SO | 140 BROADWAY, 46TH FL NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25B HANOVER ROAD-STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $80 | $80 | 3.98% |
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE, INC. | 140 BROADWAY, 41ST FL NEW YORK, NY 10004 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $41 | — | $41 | 2.04% |
| DAVID SOLOMONS3 | 140 BROADWAY, 46TH FL NEW YORK, NY 10005 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $14 | — | $14 | 0.70% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $20 | $20 | 3.98% |
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANNCE BROKERAGE, INC. | 140 BROADWAY, 41ST FL NEW YORK, NY 10004 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $10 | — | $10 | 1.99% |
| DAVID SOLOMONS3 | 140 BROADWAY, 46TH FL NEW YORK, NY 10005 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $4 | — | $4 | 0.80% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25B HANOVER ROAD-SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF COLORADO, INC. | — | $20 | $20 | 3.98% |
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE, INC. | 140 BROADWAY, 41ST FL NEW YORK, NY 10004 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $10 | — | $10 | 1.99% |
| DAVID SOLOMONS3 | 140 BROADWAY, 46TH FL NEW YORK, NY 10005 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $4 | — | $4 | 0.80% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $166K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $163K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 133 | $128K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 133 | $133K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 133 | $114K |
| Other(4 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 133 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.