| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $93K | — | $93K | 0.93% |
| BRYAN GARVIN3 | 26 STONE FENCE RD BERNARDSVILLE, NJ 07924 | THE GUARDIAN LIFE INSURANCE COPMANY OF AMERICA | $20K | — | $20K | 0.99% |
| KEVIN GARVIN3 | 6 CRICKLEWOOD LANE NORWOOD, CT 06851 | THE GUARDIAN LIFE INSURANCE COPMANY OF AMERICA | $20K | — | $20K | 0.99% |
| THE GARVIN GROUP LTD3 Filed as: THE GARVIN GROUP | 120 BROADWAY, FL 37 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COPMANY OF AMERICA | — | $13K | $13K | 0.67% |
| EVAN STOPOL3 | 456 WOODBRIDGE RD ROCKVILLE CENTER, NY 11570 | THE GUARDIAN LIFE INSURANCE COPMANY OF AMERICA | — | $35 | $35 | 0.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | INDEPENDENT HEALTH | $16K | — | $16K | 2.98% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS | JOHN LYNAM PO BOX 38 CONCORDVILLE, PA 19331 | CAPITAL DISTRICT PHYSCICIAN'S HEALTH PLAN INC | $19K | — | $19K | 4.00% |
| KEVIN GARVIN3 | 120 BROADWAY, 37TH F NEW YORK, NY 10271 | CAPITAL HEALTH PLAN | $4K | — | $4K | 3.33% |
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 | 1,288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 838 | $10.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COPMANY OF AMERICA | 1,289 | $2.0M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 838 | $9.9M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COPMANY OF AMERICA | 1,289 | $2.0M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COPMANY OF AMERICA | 1,289 | $2.0M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COPMANY OF AMERICA | 1,289 | $2.0M |
| Other | THE GUARDIAN LIFE INSURANCE COPMANY OF AMERICA | 1,289 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,289 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.