| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY REAVES3 | 58 OKEECHOBEE CIRCLE SANTA ROSA BEACAH, FL 32459 | BLUECROSS BLUESHIELD OF TN, INC. | $72K | — | $72K | 5.69% |
| JN SAVASTA CORP3 Filed as: JN SAVASTA | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | EMBLEM HEALTH | $40K | $9K | $49K | 4.70% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | EMBLEM HEALTH | — | $9K | $9K | 0.85% |
| JN SAVASTA CORP3 | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | EMBLEM HEALTH | $12K | — | $12K | 4.00% |
| TIMOTHY H REAVES3 Filed as: TIMOTHY H. REAVES | 58 OKEECHOBEE CIRCLE SANTA ROSA BEACH, FL 32458 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 10.79% |
| REAVES INSURANCE CONSULTANTS, INC.3 Filed as: REAVES INSURANCE CONSULTANTS | 58 OKEECHOBEE CIRCLE SANTA ROSA BEACH, FL 32459 | BEAZLEY INSURANCE COMPANY INC | $21K | — | $21K | 15.00% |
| JN SAVASTA CORP3 Filed as: J. N. SAVASTA CORP. | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | FIRST RELIANCE STANDARD | $880 | — | $880 | 10.00% |
| JN SAVASTA CORP3 | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $361 | — | $361 | 10.00% |
| JN SAVASTA CORP3 Filed as: J.N. SAVASTA CORP. | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | FIRST RELIANCE STANDARD | $347 | — | $347 | 10.01% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TN, INC. | 253 | $2.6M |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $239K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $235K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $244K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $235K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $239K |
| Other(5 contracts, 5 carriers) | EMBLEM HEALTH | 182 | $867K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.