| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 | 25 B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | $163K | $9K | $172K | 7.72% |
| E BENEFIT SOLUTION INC3 Filed as: E BENEFIT SOLUTION | 217 O4 NORTHERN BLVD BAYSIDE, NY 11361 | EMPIRE HEALTHCHOICE ASSURANCE | $47K | — | $47K | 8.25% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE | $20K | — | $20K | 3.54% |
| SOLOMON AGENCY CORPORATION3 | 217-04 NORTHERN BLVD BAYSIDE, NY 11361 | VISION SERVICE PLAN | $4K | — | $4K | 1.65% |
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 | 747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE | 852 | $570K |
| Dental | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | 852 | $2.2M |
| Vision | VISION SERVICE PLAN | 826 | $254K |
| Life insurance | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | 852 | $2.2M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | 852 | $2.2M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | 852 | $2.2M |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE | 852 | $570K |
| Other | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | 852 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.