| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROCKVILLE BENEFIT ADVISOR3 Filed as: ROCKVILLE BENEFIT ADVISORS,LLC | 21 MORRIS AVENUE ROCKVILLE CENTRE, NY 11570 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $290K | — | $290K | 37.88% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. | 25B HANOVER RD #220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $26K | — | $26K | 3.44% |
| SAVOY ASSOCIATES3 Filed as: SAVOY AND ASSOCIATES | 25 HANOVER RD #220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12 | — | $12 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. EIN 59-1031071 CIGNA PROVIDES CLAIM ADMI | Other services; Float revenue; Participant communication; Claims processing; Named fiduciary; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | 280 TRUMBULL ST 5 HARTFORD, CT 06152 | $5K |
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 | 763 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 763 | $767K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 763 | $767K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.