| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. | ROUND TABLE STUDIOS SUITE 1000, 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $23K | $23K | 2.93% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 0.89% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 5.66% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $2K | 5.72% |
| PREMIER CONSULTING PARTNERS LLC3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 21.11% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $167 | $2K | 5.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| PREMIER CONSULTING PARTNERS LLC3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $529 | $737 | $1K | 5.67% |
| PREMIER CONSULTING PARTNERS LLC3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 21.27% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $959 | $108 | $1K | 5.92% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $232 | $321 | $553 | 5.67% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $216 | $284 | $500 | 6.16% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $133 | $191 | $324 | 5.51% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 397 | $848K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 397 | $800K |
| Vision | VISION SERVICE PLAN | 181 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 359 | $42K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $69K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $22K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 397 | $800K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 359 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.