| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LW SOLUTIONS II, P.A., INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $191K | $198K | 2.53% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC, ROUND TABLE STU | 200 CONNELL DRIVE #1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $102K | $102K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY MARSH & MCLENNAN | ONE PENN SQUARE WEST SUITE 2500 PHILADELPHIA, PA 19102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $36K | $37K | 0.48% |
| DONALD C SAVOY INC3 | 445 BROADHOLLOW ROAD SUITE 119 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $6K | $43K | 13.97% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.62% |
| LW SOLUTIONS II, P.A., INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $9K | — | $9K | 40.81% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC, ROUND TABLE STU | 200 CONNELL DRIVE #1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $702 | $702 | 3.26% |
| LW SOLUTIONS II, P.A., INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $526 | — | $526 | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY MARSH & MCLENNAN | ONE PENN SQUARE WEST SUITE 2500 PHILADELPHIA, PA 19102 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $121 | — | $121 | 0.56% |
| LW SOLUTIONS II, P.A., INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $4K | — | $4K | 40.82% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC, ROUND TABLE STU | 200 CONNELL DRIVE #1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $288 | $288 | 3.25% |
| LW SOLUTIONS II, P.A., INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $216 | — | $216 | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY MARSH & MCLENNAN | ONE PENN SQUARE WEST SUITE 2500 PHILADELPHIA, PA 19102 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $49 | — | $49 | 0.55% |
| LW SOLUTIONS II, P.A., INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $1K | — | $1K | 40.82% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC, ROUND TABLE STU | 200 CONNELL DRIVE #1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $89 | $89 | 3.27% |
| LW SOLUTIONS II, P.A., INC.3 | 220 ASHWORTH STREET WEST PALM BEACH, FL 33405 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $66 | — | $66 | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY MARSH & MCLENNAN | ONE PENN SQUARE WEST SUITE 2500 PHILADELPHIA, PA 19102 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $15 | — | $15 | 0.55% |
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 | 1,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $7.8M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $7.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $7.8M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 970 | $308K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 970 | $308K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,858 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,858 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.