| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASE, ROBERT3 | 302 WILSHIRE DR NUTLEY, NJ 07110 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $54K | — | $54K | 2.90% |
| ROBERT M CASE3 | 261 WEST 35TH STREET SUITE 704 NEW YORK, NY 10001 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $12K | — | $12K | 0.63% |
| CORPORATE SYNERGIES GROUP LLC3 | 200 EAST PARK DR #600 MOUNT LAUREL, NJ 08054 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $7K | — | $7K | 0.36% |
| DONALD C SAVOY INC3 | 15 JAMES T BOX 239 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $6K | $6K | 0.33% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | -$60 | — | -$60 | -0.00% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.13% |
| ROBERT M CASE3 | 302 WILSHIRE DR NUTLEY, NJ 071103901 | PRINCIPAL LIFE INSURANCE COMPANY | $888 | — | $888 | 3.22% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | PRINCIPAL LIFE INSURANCE COMPANY | $212 | — | $212 | 0.77% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY T/A SAVOY ASSOCIATES | 258B HANOVER RD FLORHAM PARK, NJ 07932 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $187 | — | $187 | 2.88% |
| CASE, ROBERT3 | 302 WILSHIRE DR NUTLEY, NJ 07110 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $168 | — | $168 | 2.59% |
| DONALD C SAVOY INC3 | 15 JAMES T BOX 239 FLORHAM PARK, NJ 07932 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $83 | $83 | 1.28% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 346 | $1.9M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 346 | $1.9M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 281 | $28K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 281 | $34K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 281 | $28K |
| Other | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 188 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.