| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONA102675LD C. SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | AMERIHEALTH INS COMPANY | $103K | — | $103K | 5.83% |
| NPPG EMPLOYEE BENEFITS LLC3 Filed as: NPPG | 121 MONMOUTH STREET RED BANK, NJ 07701 | AMERIHEALTH INS COMPANY | $41K | — | $41K | 2.35% |
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA NORTHEAST, INC. | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | THE GUARDIAN LIFE COMPANY OF AMERICA | $7K | — | $7K | 3.37% |
| NPPG EMPLOYEE BENEFITS LLC3 Filed as: NPPG | 121 MONMOUTH STREET STE A RED BANK, NJ 07701 | THE GUARDIAN LIFE COMPANY OF AMERICA | $6K | $439 | $6K | 2.95% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS, INC. | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE COMPANY OF AMERICA | $667 | — | $667 | 0.33% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INS COMPANY | 235 | $1.8M |
| Dental | THE GUARDIAN LIFE COMPANY OF AMERICA | 133 | $202K |
| Vision | THE GUARDIAN LIFE COMPANY OF AMERICA | 133 | $202K |
| Life insurance | THE GUARDIAN LIFE COMPANY OF AMERICA | 133 | $202K |
| Long-term disability | THE GUARDIAN LIFE COMPANY OF AMERICA | 133 | $202K |
| Prescription drug | AMERIHEALTH INS COMPANY | 235 | $1.8M |
| Other | THE GUARDIAN LIFE COMPANY OF AMERICA | 133 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
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.