| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE AND ASSOCIATES | 350 MOTOR PARKWAY, SUITE 404 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $31K | $34K | 2.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $26K | $26K | 2.25% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $238 | $238 | 0.02% |
| RENEE METJE3 Filed as: RENEE MET JE | 60 US HIGHWAY 46, SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $3K | $2 | $3K | 7.92% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER T. LYONS | 15 GLENDALE LANE FAIRFIELD, NJ 07004 | AFLAC | $1K | $2 | $1K | 2.68% |
| MJ INSURANCE3 Filed as: BARBARA ANN MEYER & VARIOUS AGENTS | 2916 HATTERAS WAY NAPLES, FL 34119 | AFLAC | $813 | $3 | $816 | 1.92% |
| SHARON E. SAX3 | 525 SPRING VALLEY ROAD, SUITE A MAYWOOD, NJ 07607 | AFLAC | $621 | $7 | $628 | 1.48% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $393 | $0 | $393 | 0.93% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVENUE SOUTH HACKENSACK, NJ 07606 | AFLAC | $322 | $0 | $322 | 0.76% |
| JARED KANSKY3 | 1 BLUE HILL PLAZA, SUITE 1535 PEARL RIVER, NY 10965 | AFLAC | $122 | $2 | $124 | 0.29% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY LEVINE AND ASSOCIATES | 350 MOTOR PARKWAY, SUITE 404 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 9.61% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 4.52% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $416 | $416 | 1.34% |
| MARC SPIRO3 | 95 MILLERTOWN ROAD PO BOX 100 BEDFORD, NY 10506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | $0 | $17 | 0.05% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 162 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 162 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $31K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 162 | $1.2M |
| Other(2 contracts, 2 carriers) | AFLAC | 124 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.