| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEWTEK INSURANCE AGENCY LLC3 | 1981 MARCUS AVENUE, SUITE 130 LAKE SUCCESS, NY 11042 | AETNA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 3.53% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25B HANOVER RD., SUITE 220 FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 1.38% |
| 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 | $8K | $2K | $9K | 12.35% |
| 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 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $177 | $5K | 12.46% |
| 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 | $1K | $0 | $1K | 3.85% |
| NEWTEK INSURANCE AGENCY LLC3 | 1981 MARCUS AVE. SUITE 130 LAKE SUCCESS, NY 11042 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 8.65% |
| 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 | $904 | $0 | $904 | 6.51% |
| 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 | $374 | $0 | $374 | 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 | $374 | $0 | $374 | 3.85% |
| NEWTEK INSURANCE AGENCY LLC3 | 1981 MARCUS AVE. SUITE 130 LAKE SUCCESS, NY 11042 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 13.74% |
| 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 | $549 | $0 | $549 | 6.58% |
| NEWTEK INSURANCE AGENCY LLC3 | 212 WESET 35TH STREET 2ND FLOOR NEW YORK, NY 10001 | HEALTH INSURANCE OF GREATER NEW YORK | $294 | $0 | $294 | 3.85% |
| NEWTEK INSURANCE AGENCY LLC3 | 1981 MARCUS AVE. SUITE 130 LAKE SUCCESS, NY 11042 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | — | — | $0 | — |
| 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 | — | — | $0 | — |
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 | 2,688 | 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) | 2,688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 107 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 65 | $39K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 85 | $14K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,462 | $74K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 34 | $8K |
| Other | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,462 | — |
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.