| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYAN GARVIN3 | 26 STONE FENCE RD BERNARDSVILLE, NJ 07924 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 0.85% |
| KEVIN GARVIN3 | 6 CRICKLEWOOD LANE NORWALK, CT 06851 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 0.85% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.31% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $55K | $55K | 6.75% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | INDEPENDENT HEALTH BENEFITS CORPORATION | — | — | $0 | 0.00% |
| ASCELA PARTNERS LLC3 | 200 CONTINENTAL DRIVE SUITE 305 NEWARK, DE 19713 | CAPITAL DISTRICT PHYSCICIAN'S HEALTH PLAN INC | $12K | — | $12K | 4.00% |
| ASCELA PARTNERS LLC3 Filed as: ASCELA PARTNERS - JOHN LYNAM | 200 CONTINENTAL DRIVE, SUITE 305 NEWARK, DE 19713 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $12K | — | $12K | 4.00% |
| JOHN LYNAM3 | 871 BALTIMORE PIKE GLEN MILLS, PA 19342 | CAPITAL HEALTH PLAN | $704 | — | $704 | 0.46% |
| JOHN LYNAM3 | 871 BALTIMORE PIKE GLEN MILLS, PA 19342 | CAPITAL HEALTH PLAN | $3K | — | $3K | 2.36% |
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 | 1,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,477 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,410 | $2.1M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 927 | $810K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,410 | $2.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,410 | $2.1M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,410 | $2.1M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,410 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,477 | — |
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.