| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 Filed as: J.N. SAVASTA CORP | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $158K | — | $158K | 4.55% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $63K | $63K | 1.82% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $603 | — | $603 | 0.34% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.80% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $352 | $3K | 7.87% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 26 HOURIHAN STREET UNIT 2 PEABODY, MA 01960 | THE PAUL REVERE LIFE INSURANCE COMPANY | $496 | $544 | $1K | 2.55% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | THE PAUL REVERE LIFE INSURANCE COMPANY | $799 | $85 | $884 | 2.16% |
| THOMAS BENEFITS INC3 Filed as: THOMAS MCCABE | 14 CHANDLER STREET SALEM, MA 01970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $142 | — | $142 | 0.35% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | THE PAUL REVERE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.16% |
| JN SAVASTA CORP3 Filed as: J.N. SAVASTA | 1350 BROADWAY ROOM 410 NEW YORK, NY 100180973 | FIRST RELIANCE INSURANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE INSURANCE LIFE INSURANCE COMPANY | $272 | — | $272 | 0.88% |
| JN SAVASTA CORP3 Filed as: J.N. SAVASTA CORP | 1350 BROADWAY ROOM 410 NEW YORK, NY 10018 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 8.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $172 | — | $172 | 0.95% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $624 | $287 | $911 | 5.91% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $567 | — | $567 | 3.68% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $5 | $154 | 1.00% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 26 HOURIHAN STREET UNIT 2 PEABODY, MA 01960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $23 | $149 | 0.97% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $7 | $132 | 0.86% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $12 | $28 | 0.18% |
| THOMAS BENEFITS INC3 Filed as: THOMAS MCCABE | 14 CHANDLER STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| CHARLOTTE MARTINEZ3 Filed as: CHARLOTTE ANNE MARTINEZ | 70100 MIRAGE COVER DRIVE RANCHO MIRAGE, CA 92270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JN SAVASTA CORP3 Filed as: J.N. SAVASTA CORP | 1350 BROADWAY ROOM 410 NEW YORK, NY 100180973 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $192 | — | $192 | 7.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $25 | — | $25 | 1.04% |
| JOSEPH N SAVASTA3 Filed as: JOSEPH SAVASTA | 1350 BROADWAY ROOM 410 NEW YORK, NY 10018 | EMBLEMHEALTH | $2K | — | $2K | — |
| JN SAVASTA CORP3 Filed as: J.N. SAVASTA CORP | 1350 BROADWAY ROOOM 410 NEW YORK, NY 10018 | EMBLEMHEALTH | $3K | — | $3K | — |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 377 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 534 | $180K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 534 | $180K |
| Life insurance(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 534 | $267K |
| Short-term disability(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 38 | $56K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 40 | $18K |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 64 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.