| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YONG HWA HA3 | 21704 NORTHERN BLVD SUITE 1 BAYSIDE, NY 07861 | UNITEDHEALTHCARE INSURANCE COMPANY | $94K | — | $94K | 3.04% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | — | $63K | 2.02% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 5.01% |
| SOLOMON AGENCY CORPORATION3 | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 5.01% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $2K | $2K | 4.84% |
| E BENEFIT SOLUTION INC3 | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | — | $2K | 4.84% |
| E BENEFIT SOLUTION INC3 | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 12.53% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $805 | $805 | 6.20% |
| E BENEFIT SOLUTION INC3 | 217-04 NORTHERN BLVD BAYSIDE, NY 11361 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $429 | — | $429 | 15.08% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 079321424 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $179 | $179 | 6.29% |
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 | 278 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $3.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 698 | $421K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 282 | $36K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 278 | $13K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 278 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.