| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $47K | $47K | 2.19% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | $90K | $155K | 14.12% |
| RUSSEL J CARPENTIERI3 | 86 SHEATHER RD BEDFORD CORNERS, NY 10594 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.47% |
| RUSSELL J CARPENTIERI3 | 86 SHEATHER ROAD STE 401 BEDFORD CORNERS, NY 10594 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.48% |
| NEW YORK RHB, LLC3 | 120 BROADWAY FLOOR 37 NEW YORK, NY 10271 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $88 | — | $88 | 0.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 1122 WESTCHESTER AVE SUITE N-136 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PHILLIPS BROS. INS. AGENCY, INC.3 Filed as: PHILLIPS BROS. INSURANCE AGENCY INC | 2 N LASALLE STE 1606 CHICAGO, IL 60602 | FEDERAL INSURANCE COMPANY | $1K | $8 | $1K | 15.09% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 412 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 391 | $2.1M |
| Vision | VISION SERVICE PLAN | 313 | $38K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $254K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $21K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $254K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.