| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YONG HWA HA3 | 21704 NORTHERN BLVD SUITE 1 BAYSIDE, NY 07861 | UNITEDHEALTHCARE INSURANCE COMPANY | $81K | — | $81K | 2.50% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 2.00% |
| E BENEFIT SOLUTION INC3 | 21704 NORTHERN BLVD SUITE 100 BAYSIDE, NY 11361 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 0.50% |
| YONG HWA HA3 | 21704 NORTHERN BLVD SUITE 1 BAYSIDE, NY 11361 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 2.37% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 079321424 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.99% |
| E BENEFIT SOLUTION INC3 | 217-04 NORTHERN BLVD BAYSIDE, NY 11361 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.61% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $18K | $4K | $22K | 6.67% |
| E BENEFIT SOLUTION INC3 Filed as: E BENEFIT SOLUTION | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $22K | — | $22K | 6.56% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| E BENEFIT SOLUTION INC3 | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 3.99% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $642 | $514 | $1K | 9.01% |
| E BENEFIT SOLUTION INC3 | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | FIRST UNUM LIFE INSURANCE COMPANY | $514 | — | $514 | 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 | 288 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 587 | $3.9M |
| Dental | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 274 | $333K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 748 | $34K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 307 | $13K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 307 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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.