| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E BENEFIT SOLUTION INC3 | 21704 NORTHERN BLVD SUITE 100 BAYSIDE, NY 11361 | UNITEDHEALTHCARE INSURANCE COMPANY | $158K | — | $158K | 6.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | — | $53K | 2.00% |
| E BENEFIT SOLUTION INC3 | 217-04 NORTHERN BLVD BAYSIDE, NY 11361 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | — | $53K | 5.31% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 2.06% |
| E BENEFIT SOLUTION INC3 | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 10.01% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $19K | $19K | 5.01% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $3K | $5K | 12.97% |
| E BENEFIT SOLUTION INC3 | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
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 | 310 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $3.6M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 302 | $388K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 758 | $36K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 302 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 758 | — |
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.