| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $152K | $152K | 6.00% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 4.00% |
| JAMES P LESTRANGE3 | 11 DEGE FARM RD CALIFON, NJ 078303441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.50% |
| AXA ASSISTANCE, USA3 Filed as: PATRICK MORRIS AXA ADVISORS LLC | 90 WOODBRIDGE CTR DR 7TH WOODBRIDGE, NJ 07095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.50% |
| JAMES P LESTRANGE3 | 11 DEGE FARM RD CALIFON, NJ 078303441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.66% |
| AXA ASSISTANCE, USA3 Filed as: PATRICK MORRIS AXA ADVISORS LLC | 90 WOODBRIDGE CTR DR 7TH WOODBRIDGE, NJ 07095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.66% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.84% |
| JAMES P LESTRANGE3 | 11 DEGE FARM RD CALIFON, NJ 078303441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.31% |
| AXA ASSISTANCE, USA3 Filed as: PATRICK MORRIS AXA ADVISORS LLC | 90 WOODBRIDGE CTR DR 7TH WOODBRIDGE, NJ 07095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.31% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| JAMES P LESTRANGE3 | 11 DEGE FARM RD CALIFON, NJ 078303441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $611 | — | $611 | 5.00% |
| AXA ASSISTANCE, USA3 Filed as: PATRICK MORRIS AXA ADVISORS LLC | 90 WOODBRIDGE CTR DR 7TH WOODBRIDGE, NJ 07095 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $611 | — | $611 | 5.00% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $489 | $489 | 4.00% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $2.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $199K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $26K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.