| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NY 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $78K | $78K | 1.83% |
| ONE ALLIANCE INSURANCE AGENCY3 Filed as: ONE ALLIANCE INSURANCE AGENCY INC | 105 CHALLENGER ROAD SUITE 802 105 CHALLENGER ROAD RIDGEFIELD PARK, NJ 07660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $63K | $67K | 1.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 0.17% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 4.68% |
| ONE ALLIANCE INSURANCE AGENCY3 Filed as: ONE ALLIANCE INSURANCE AGENCY INC | 8TH FLOOR SUITE 802 105 CHALLENGER ROAD RIDGEFIELD PARK, NJ 07660 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $14K | 3.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.30% |
| ONE ALLIANCE INSURANCE AGENCY3 | 8TH FLOOR SUITE 802 105 CHALLENGER ROAD RIDGEFIELD PARK, NY 07660 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 9.18% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | AETNA LIFE INSURANCE CO. | $619 | — | $619 | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | AETNA LIFE INSURANCE CO. | $62 | — | $62 | 0.17% |
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 | 281 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 281 | $4.2M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 283 | $353K |
| Vision | AETNA LIFE INSURANCE CO. | 737 | $37K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 283 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.