| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MASTIVIA SOLUTIONS, INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $175K | $181K | 2.29% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $123K | $123K | 1.55% |
| DONALD C SAVOY INC3 | 445 BROADHOLLOW ROAD SUITE 119 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68K | $10K | $78K | 17.03% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $633 | $633 | 3.06% |
| MASTIVIA SOLUTIONS, INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $474 | — | $474 | 2.29% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $196 | $196 | 3.06% |
| MASTIVIA SOLUTIONS, INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $147 | — | $147 | 2.30% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $196 | $196 | 3.06% |
| MASTIVIA SOLUTIONS, INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $147 | — | $147 | 2.30% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $76 | $76 | 3.07% |
| MASTIVIA SOLUTIONS, INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $57 | — | $57 | 2.30% |
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 | 1,131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 492 | $7.9M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 492 | $8.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 492 | $7.9M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,232 | $457K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,232 | $457K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,973 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,973 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.