| 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 | $152K | $15K | $167K | 6.33% |
| EXPRESS SCRIPTS, INC.3 Filed as: EXPRESS SCRIPTS | — | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $272K | $272K | 32.12% |
| CARE & SHARE BENEFIT MANAGEMENT LLC3 | PO BOX 326 LEONIA, NJ 07605 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $217K | — | $217K | 25.65% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $10K | $10K | 1.15% |
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 | 833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 849 | $848K |
| Dental | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | 912 | $2.6M |
| Vision | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | 912 | $2.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | 912 | $2.6M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | 912 | $2.6M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | 912 | $2.6M |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 849 | $848K |
| Other | THE GUARDIAN LIFE INSURANCE CO. OF AMERICA | 912 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 912 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.