| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH N SAVASTA3 Filed as: JOSEPH SAVASTA | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | EMBLEM HEALTH | $71K | — | $71K | 3.85% |
| TIMOTHY REAVES3 Filed as: TIMOTHY HEATH REAVES | 58 OKEECHOBEE CIRCLE SANTA ROSA BEACAH, FL 32459 | BLUECROSS BLUESHIELD OF TN, INC. | $38K | — | $38K | 4.86% |
| BEACON BENEFITS GROUP INC.3 | 22 WEST STREET #24 MILLBURY, MA 01527 | FALLON HEALTH | — | — | $0 | 0.00% |
| TIMOTHY H REAVES3 Filed as: TIMOTHY H.REAVES | 58 OKEECHOBEE CIRCLE SANTA ROSA BEACH, FL 32458 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 10.90% |
| TIMOTHY REAVES3 Filed as: TIMOTHY H REEVES | 58 OKEECHOBEE CIR SANTA ROSA BEACH, FL 32459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 14.09% |
| JN SAVASTA CORP3 Filed as: J. N. SAVASTA CORP. | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | FIRST RELIANCE STANDARD | $2K | — | $2K | 10.00% |
| JN SAVASTA CORP3 Filed as: J.N. SAVASTA CORP. | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | FIRST RELIANCE STANDARD | $847 | — | $847 | 10.00% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | EMBLEM HEALTH | 201 | $2.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $162K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $162K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 245 | $183K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $162K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $170K |
| Other(6 contracts, 5 carriers) | FALLON HEALTH | 245 | $658K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.