| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY REAVES3 | 58 OKEECHOBEE CIRCLE SANTA ROSA BEACAH, FL 32459 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $41K | — | $41K | 2.96% |
| JN SAVASTA CORP3 Filed as: JN SAVASTA | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | EMBLEM HEALTH | $33K | — | $33K | 4.15% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | EMBLEM HEALTH | — | $6K | $6K | 0.79% |
| TIMOTHY H REAVES3 Filed as: TIMOTHY H. REAVES | 58 OKEECHOBEE CIRCLE SANTA ROSA BEACH, FL 32458 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 10.87% |
| JN SAVASTA CORP3 | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | EMBLEM HEALTH | $11K | — | $11K | 4.33% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | EMBLEM HEALTH | — | $6K | $6K | 2.48% |
| REAVES INSURANCE CONSULTANTS, INC.3 Filed as: REAVES INSURANCE CONSULTANTS | 58 OKEECHOBEE CIRCLE SANTA ROSA BEACH, FL 32459 | BEAZLEY INSURANCE COMPANY INC | $22K | — | $22K | 15.00% |
| BEACON BENEFITS GROUP INC.3 Filed as: BEACON BENEFITS GROUP, INC. | 119 ELM STREET SUITE 362 MILLBURY, MA 01527 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $120 | — | $120 | 0.26% |
| JN SAVASTA CORP3 Filed as: J.N. SAVASTA CORP. | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 11.30% |
| BENEFIT CONSULTING INSURANCE AGENCY3 | 97 MAIN STREET SUITE 202 CHATHAM, NJ 07928 | HARTFORD LIFE AND ACCIDENT | — | $731 | $731 | 4.51% |
| JN SAVASTA CORP3 | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $228 | — | $228 | 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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 242 | $2.5M |
| Dental(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $255K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $252K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $269K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $252K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $269K |
| Other(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $662K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.