| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $71K | $71K | 3.44% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $42K | $42K | 2.00% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $652 | $8K | 7.54% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 3.88% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $5K | $5K | 12.16% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 7.10% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $4K | $4K | 11.57% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 7.96% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 11.92% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 11.77% |
| DONALD C SAVOY INC3 | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 21.39% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $832 | — | $832 | 12.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $763 | $763 | 11.00% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $119 | $652 | $771 | 112.39% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $373 | $373 | 54.37% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $47 | $47 | 6.85% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 261 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $105K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $16K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 261 | $50K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 261 | $61K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 261 | $45K |
| Other(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 261 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.