| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $83K | $83K | 2.00% |
| 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 | — | $73K | $73K | 1.75% |
| E BENEFIT SOLUTION INC3 | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11 | $11 | 0.00% |
| ONE ALLIANCE INSURANCE AGENCY3 | 8TH FLOOR SUITE 802 105 CHALLENGER ROAD RIDGEFIELD PARK, NJ 07660 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $19K | — | $19K | 6.11% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $17K | $17K | 5.50% |
| ONE ALLIANCE INSURANCE AGENCY3 Filed as: ONE ALLIANCE INSURANCE AGENCY INC | 8TH FLOOR SUITE 802 105 CHALLENGER ROAD RIDGEFIELD PARK, NJ 07660 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 10.91% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | FIRST UNUM LIFE INSURANCE COMPANY | — | $585 | $585 | 5.45% |
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 | 274 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 274 | $4.1M |
| Dental | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 273 | $318K |
| Vision | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 273 | $318K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 271 | $11K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 271 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.