| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 56 LIVINGSTON AVENUE, SUITE 230 ROSELAND, NJ 07068 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $54K | $58K | 8.01% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $28K | $28K | 3.78% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $8K | $0 | $8K | 17.98% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $3K | $3K | 6.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 746540 ALTANTA, GA 30374 | VISION SERVICE PLAN | -$796 | — | -$796 | -6.66% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $728K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $728K |
| Vision | VISION SERVICE PLAN | 109 | $12K |
| Life insurance | USABLE LIFE | 160 | $46K |
| Long-term disability | USABLE LIFE | 160 | $46K |
| Other | USABLE LIFE | 160 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.