| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARE & SHARE BENEFIT MANAGEMENT LLC3 | PO BOX 326 LEONIA, NJ 07605 | OXFORD HEALTH INSURANCE | $23K | — | $23K | 3.25% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | OXFORD HEALTH INSURANCE | — | $11K | $11K | 1.60% |
| CARE & SHARE BENEFIT MANAGEMENT LLC3 | PO BOX 326 LEONIA, NJ 07605 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $6K | $29K | 11.17% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 7.48% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.45% |
| CARE & SHARE BENEFIT MANAGEMENT LLC3 | PO BOX 326 LEONIA, NJ 07605 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.77% |
| CARE & SHARE BENEFIT MANAGEMENT LLC3 | PO BOX 326 LEONIA, NJ 07605 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.42% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| CARE & SHARE BENEFIT MANAGEMENT LLC3 Filed as: CARE & SHARE BENEFIT MANAGEMENT | PO BOX 326 LEONIA, NJ 07605 | STANDARD INSURANCE COMPANY | $910 | — | $910 | 0.75% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $642 | — | $642 | 0.53% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.96% |
| CARE & SHARE BENEFIT MANAGEMENT LLC3 | PO BOX 326 LEONIA, NJ 07605 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 1.98% |
| 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 | $2K | $2K | $3K | 15.81% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE | 364 | $960K |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 169 | $186K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 172 | $140K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 172 | $140K |
| Prescription drug | OXFORD HEALTH INSURANCE | 364 | $699K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 172 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.