| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EFFECTIVE MANAGEMENT ASSOC 2 INC3 | PO BOX 70 SOUTH SALEM, NY 10590 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $99K | $8K | $107K | 9.42% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $61K | $61K | 5.38% |
| EFFECTIVE MANAGEMENT ASSOC 2 INC3 | PO BOX 70 SOUTH SALEM, NY 10590 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 5.36% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 3.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $8K | $7K | $16K | 10.38% |
| EFFECTIVE MANAGEMENT ASSOC 2 INC3 | PO BOX 70 SOUTH SALEM, NY 10590 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $569 | — | $569 | 5.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $455 | $455 | 4.00% |
| EFFECTIVE MANAGEMENT ASSOC 2 INC3 | PO BOX 70 SOUTH SALEM, NY 10590 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $1K | — | $1K | 50.02% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTGS, NJ 07922 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $87 | $87 | 3.98% |
| EFFECTIVE MANAGEMENT ASSOC 2 INC3 | PO BOX 70 SOUTH SALEM, NY 10590 | CIGNA DENTAL HEALTH OF PENNSYLVANIA INC. | $109 | — | $109 | 4.98% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF PENNSYLVANIA INC. | — | $87 | $87 | 3.98% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $1.1M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $229K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $214K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 523 | $153K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 523 | $153K |
| Other | HARTFORD LIFE AND ACCIDENT | 523 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.