| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFITS INC3 Filed as: INNOVATIVE INSURANCE LLC | 236 PEDRO STREET VENICE, FL 34285 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $60K | $60K | 2.65% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 1.35% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 3.69% |
| JAMES P LESTRANGE3 | 11 DEGE FARM RD CALIFON, NJ 078303441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.35% |
| AXA ASSISTANCE, USA3 Filed as: PATRICK MORRIS AXA ADVISORS LLC | 90 WOODBRIDGE CTR DR 7TH WOODBRIDGE, NJ 07095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.65% |
| JAMES P LESTRANGE3 | 11 DEGE FARM RD CALIFON, NJ 078303441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.25% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.68% |
| AXA ASSISTANCE, USA3 Filed as: PATRICK MORRIS AXA ADVISORS LLC | 90 WOODBRIDGE CTR DR 7TH WOODBRIDGE, NJ 07095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.30% |
| JAMES P LESTRANGE3 | 11 DEGE FARM RD CALIFON, NJ 078303441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.21% |
| AXA ASSISTANCE, USA3 Filed as: PATRICK MORRIS AXA ADVISORS LLC | 90 WOODBRIDGE CTR DR 7TH WOODBRIDGE, NJ 07095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.80% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $915 | $915 | 3.68% |
| JAMES P LESTRANGE3 | 11 DEGE FARM RD CALIFON, NJ 078303441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $775 | — | $775 | 6.70% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $425 | $425 | 3.67% |
| AXA ASSISTANCE, USA3 Filed as: PATRICK MORRIS AXA ADVISORS LLC | 90 WOODBRIDGE CTR DR 7TH WOODBRIDGE, NJ 07095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $382 | — | $382 | 3.30% |
| INNOVATIVE BENEFITS INC3 Filed as: INNOVATIVE INSURANCE LLC | 236 PEDRO STREET VENICE, FL 34285 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.10% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $2.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $191K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 331 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $25K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
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.