| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO INSURANCE | 56 LIVINGSTON AVENUE, SUITE 230 ROSELAND, NJ 07068 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $62K | $66K | 7.75% |
| 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 | $0 | $16K | $16K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $12K | $12K | 1.44% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $5K | $0 | $5K | 12.75% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $3K | $3K | 6.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $2K | $0 | $2K | 5.62% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO, INC. | 56 LIVINGSTON AVENUE, SUITE 230 ROSELAND, NJ 07068 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $353 | $56 | $409 | 10.71% |
| AMWINS3 Filed as: AMWINS ANCILLARY, LIC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $271 | $271 | 7.10% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 169 | $846K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 169 | $846K |
| Vision | VISION SERVICE PLAN | 114 | $12K |
| Life insurance | USABLE LIFE | 161 | $42K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9 | $4K |
| Long-term disability | USABLE LIFE | 161 | $42K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 169 | $846K |
| Other | USABLE LIFE | 161 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.