| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 Filed as: JN SAVASTA | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | EMBLEM HEALTH | $64K | — | $64K | 3.85% |
| TIMOTHY REAVES3 Filed as: TIMOTHY HEATH REAVES | 58 OKEECHOBEE CIRCLE SANTA ROSA BEACAH, FL 32459 | BLUECROSS BLUESHIELD OF TN, INC. | $54K | — | $54K | 5.29% |
| JN SAVASTA CORP3 | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | EMBLEM HEALTH | $10K | — | $10K | 4.00% |
| TIMOTHY H REAVES3 Filed as: TIMOTHY H.REAVES | 58 OKEECHOBEE CIRCLE SANTA ROSA BEACH, FL 32458 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 10.94% |
| TIMOTHY REAVES3 Filed as: TIMOTHY H REEVES | 58 OKEECHOBEE CIR SANTA ROSA BEACH, FL 32459 | BEAZLEY INSURANCE COMPANY INC | $20K | — | $20K | 15.00% |
| 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 | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $917 | $474 | $1K | 15.17% |
| JN SAVASTA CORP3 Filed as: J.N. SAVASTA CORP. | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | FIRST RELIANCE STANDARD | $887 | — | $887 | 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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMBLEM HEALTH | 222 | $2.9M |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $190K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $181K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $201K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $181K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $190K |
| Other(6 contracts, 6 carriers) | EMBLEM HEALTH | 221 | $787K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.