| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 445 BROADHOLLOW ROAD, SUITE 119 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $6K | $35K | 19.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | $0 | $4K | 2.25% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE ROUND TABLE STUDIOS, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | $0 | $3K | 1.63% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | $0 | $2K | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HORIZON INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 387 | $162K |
| Vision | HORIZON INSURANCE COMPANY | 195 | $19K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $175K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $175K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $1.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.