| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E BENEFIT SOLUTION INC3 Filed as: E-BENEFIT SOLUTION INC. | 217-04 NORTHERN BLVD. BAYSIDE, NY 11361 | OXFORD HEALTH INSURANCE | $45K | — | $45K | 3.25% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | OXFORD HEALTH INSURANCE | — | $21K | $21K | 1.49% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER RD, STE 2200 FLORHAM PARK, NJ 07932 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.89% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | LINCOLN FINANCIAL GROUP | — | $3K | $3K | 5.00% |
| SOLOMON AGENCY CORPORATION3 Filed as: SOLOMON AGENCY CORP. | 217-04 NORTHERN BLVD., STE B BAYSIDE, NY 11361 | LINCOLN FINANCIAL GROUP | $482 | — | $482 | 0.90% |
| SOLOMON AGENCY CORPORATION3 Filed as: SOLOMON AGENCY CORP. | 217-04 NORTHERN BLVD STE B BAYSIE, NY 11361 | LINCOLN FINANCIAL GROUP | $689 | — | $689 | 6.72% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | LINCOLN FINANCIAL GROUP | — | $513 | $513 | 5.00% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE | 308 | $1.4M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $145K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $91K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $102K |
| Prescription drug | OXFORD HEALTH INSURANCE | 308 | $1.4M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.