| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEWTEK INSURANCE AGENCY LLC3 | 1981 MEXICO BLVD SUITE H4-A-RM 220 BROWNSVILLE, TX 78520 | AETNA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.61% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25B HANOVER RD. FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.65% |
| NEWTEK INSURANCE AGENCY LLC3 Filed as: NEWTEK INSURANCE AGENCY, INC. | 301 MEXICO BLVD. BROWNSVILLE, TX 78520 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.26% |
| NEWTEK INSURANCE AGENCY LLC3 Filed as: NEWTEK INSURANCE AGENCY | 212 WEST 35TH STREET 2ND FLOOR NEW YORK, NY 10001 | HEALTH INSURANCE OF GREATER NEW YORK | $2K | $0 | $2K | 3.85% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25B HANOVER RD. SUITE 220 FLORHAM PARK, NJ 07932 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 22.77% |
| NEWTEK INSURANCE AGENCY LLC3 | 1981 MARCUS AVE. SUITE 130 NEW HYDE PARK, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.72% |
| DONALD C SAVOY INC3 | 350 MOTOR PARKWAY SUITE 404 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $591 | $0 | $591 | 2.19% |
| NMP PLANNING CO. INC3 Filed as: NMP PLANNING COMPANY, INC. | 95-25 QUEENS BLVD. 10TH FLOOR REGO PARK, NY 11374 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | $0 | $31 | 0.11% |
| NEWTEK INSURANCE AGENCY LLC3 | 1981 MARCUS AVE. SUITE 130 LAKE SUCCESS, NY 11042 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 9.97% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25 B HANOVER RD. SUITE 220 FLOHAM PARK, NJ 07932 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $915 | $0 | $915 | 6.60% |
| NEWTEK INSURANCE AGENCY LLC3 | 1981 MARCUS AVE. SUITE 130 LAKE SUCCESS, NY 11042 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 15.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25 B HANOVER RD. SUITE 220 FLOHAM PARK, NJ 07932 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $615 | $0 | $615 | 6.50% |
| NEWTEK INSURANCE AGENCY LLC3 | 1981 MARCUS AVE. SUITE 130 LAKE SUCCESS, NY 11042 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $901 | $0 | $901 | 13.84% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25 B HANOVER RD. SUITE 220 FLOHAM PARK, NJ 07932 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $269 | $0 | $269 | 4.13% |
| NEWTEK INSURANCE AGENCY LLC3 Filed as: NEWTEK INSURANCE AGENCY | 212 WEST 35TH STREET 2ND FLOOR NEW YORK, NY 10001 | HEALTH INSURANCE OF GREATER NEW YORK | $181 | $0 | $181 | 3.85% |
| NEWTEK INSURANCE AGENCY LLC3 Filed as: NEWTEK INSURANCE AGENCY | 212 WEST 35TH STREET 2ND FLOOR NEW YORK, NY 10001 | HEALTH INSURANCE OF GREATER NEW YORK | $209 | $0 | $209 | 5.78% |
| NEWTEK INSURANCE AGENCY LLC3 Filed as: NEWTEK INSURANCE AGENCY | 212 WESET 35TH STREET 2ND FLOOR NEW YORK, NY 10001 | HEALTH INSURANCE OF GREATER NEW YORK | $119 | $0 | $119 | 3.84% |
| NEWTEK INSURANCE AGENCY LLC3 Filed as: NEWTEK INSURANCE AGENCY | 212 WEST 35TH STREET 2ND FLOOR NEW YORK, NY 10001 | HEALTH INSURANCE OF GREATER NEW YORK | — | — | $0 | 0.00% |
| NEWTEK INSURANCE AGENCY LLC3 Filed as: NEWTEK INSURANCE AGENCY | 212 WEST 35TH STREET 2ND FLOOR NEW YORK, NY 10001 | HEALTH INSURANCE OF GREATER NEW YORK | $31 | $0 | $31 | 3.86% |
| NEWTEK INSURANCE AGENCY LLC3 Filed as: NEWTEK INSURANCE AGENCY | 212 WEST 35TH STREET 2ND FLOOR NEW YORK, NY 10001 | HEALTH INSURANCE OF GREATER NEW YORK | $31 | $0 | $31 | 3.86% |
| NEWTEK INSURANCE AGENCY LLC3 | 1981 MARCUS AVE. SUITE 130 LAKE SUCCESS, NY 11042 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $6 | $0 | $6 | 15.38% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25 B HANOVER RD. SUITE 220 FLOHAM PARK, NJ 07932 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2 | $0 | $2 | 5.13% |
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 | 2,471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 97 | $760K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $27K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 83 | $14K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,234 | $38K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 34 | $9K |
| Other | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 90 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,234 | — |
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.