| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E BENEFIT SOLUTION INC3 Filed as: E BENEFIT SOLUTION | 217-04 NORTHERN BLVD 15162 COLLECTION CTR DR BAYSIDE, NY 11361 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $141K | $141K | 4.26% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY | 25 B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $50K | $50K | 1.50% |
| E BENEFIT SOLUTION INC3 Filed as: E BENEFIT SOLUTION | 217-04 NORTHERN BLVD BAYSIDE, NY 11361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 4.96% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 3.97% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 277 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.