| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25 HANOVER RD. #B SUITE 220 FLORHAM PARK, NJ 079321424 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $10K | $24K | 5.98% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25 B HANOVER RD. SUITE 220 FLORHAM PARK, NJ 07932 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 2.53% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25 B HANOVER RD. SUITE 220 FLORHAM PARK, NH 07932 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 2.38% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25 B HANOVER RD. SUITE 220 FLORHAM PARK, NJ 07932 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 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 | 995 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,001 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,494 | $400K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,494 | $400K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 727 | $96K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 661 | $158K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 420 | $648K |
| Other(2 contracts) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 727 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,494 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.