| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARE & SHARE BENEFIT MANAGEMENT LLC3 | PO BOX 326 LEONIA, NC 07604 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | $10K | $72K | 4.49% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 2.91% |
| CARE & SHARE BENEFIT MANAGEMENT LLC3 | PO BOX 326 LEONIA, NJ 07605 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $7K | $39K | 4.68% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 3.00% |
| CARE & SHARE BENEFIT MANAGEMENT LLC3 | PO BOX 326 LEONIA, NJ 07605 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.15% |
| DONALD C SAVOY INC3 | 200 BROADHOLLOW ROAD SUITE 207 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 17.49% |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 107 | $2.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 374 | $130K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 374 | $148K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 374 | $148K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.