| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 445 BROADHOLLOW RD STE 119 BERKLEY HEIGHTS, NJ 07922 | KEYSTONE | $84K | $0 | $84K | 8.48% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, STE 200 BERWYN, PA 19312 | KEYSTONE | $8K | $0 | $8K | 0.77% |
| DONALD C SAVOY INC3 | 445 BROADHOLLOW RD STE 119 MELVILLE, NY 11747 | GUARDIAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 17.11% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 445 BROADHOLLOW RD STE 119 BERKLEY HEIGHTS, NJ 07922 | AHPA HMO | $3K | $0 | $3K | 8.65% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | AHPA HMO | $343 | $0 | $343 | 0.85% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 162 | $1.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 232 | $139K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 232 | $139K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 232 | $139K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 232 | $139K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 232 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
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.