| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $40K | — | $40K | 2.38% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $18K | — | $18K | 1.10% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: NORTHEAST PROFESSIONAL PLANNING GRO | 121 MONMOUTH ST RED BANK, NJ 07701 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $14 | $7K | 7.26% |
| DONALD C SAVOY INC3 | 25 HANOVER RD #B STE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $55 | $5K | 4.95% |
| DONALD C SAVOY INC3 | 25 HANOVER RD #B STE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: NORTHEAST PROFESSIONAL PL | 121 MONMOUTH STREET SUITE A RED BANK, NJ 07701 | THE GUARDIAN LIFE COMPANY OF AMERICA | $7K | — | $7K | 7.20% |
| AMERIHEALTH ADMINISTRATORS INC3 | P O BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE COMPANY OF AMERICA | $1K | — | $1K | 1.50% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE RD 434 LONGWOOD, FL 32750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $622 | $8K | 11.02% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 7.76% |
| MORGAN PERRI3 | 40 LEXINGTON CIR MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $325 | $3K | 3.72% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $598 | $2K | 2.53% |
| TAYLOR LEIGH PERRI3 | 775 EAST ROUTE 70 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $180 | $2K | 2.30% |
| WORKSITE BENEFITS SOLUTION LLC3 | 1009 VERONA ST KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | $175 | $620 | 0.89% |
| PATRICK IAN WAGNER3 | 4580 PEBBLE BROOK LANE PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $496 | — | $496 | 0.71% |
| SARAH WEYMOUTH3 Filed as: SARAH E PERCHESKI | 101 CORNELL DR VOORHEES, NJ 08043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $64 | $320 | 0.46% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 0.35% |
| KYLE BINDER3 | 230 HAMPSHIRE AVENUE AUDUBON, NJ 08106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $36 | $215 | 0.31% |
| CHRISTINE LYNN MORGESTER3 | 2137 N Q ST WASHOUGAL, WA 98671 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.17% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.16% |
| GINAKES & ASSOCIATES LLC3 | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.08% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 112 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $184K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $184K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $184K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $184K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 112 | $1.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.