| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 225 BROADHOLLOW RD FL 3 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 1.97% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM J ROWLEY | 320 S SERVICE RD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 1.71% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.57% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 5.73% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $4K | $4K | 2.90% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 1.23% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 7.40% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 4.95% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHED* | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $9K | — | $9K | 14.76% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHED* | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $7K | $44 | $7K | 23.54% |
| DONALD C SAVOY INC3 | 25B HANOVER RD # 220 FLORHAM PARK, NC 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $257 | $257 | 3.64% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 118 | $58K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $7K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 283 | $122K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 283 | $122K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 283 | $122K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $1.3M |
| Other(4 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 283 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.