| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $73K | $76K | 5.07% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 2.05% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.12% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ D/B/A AJM | 20 COMMERCE DRIVE SUITE 303 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.90% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.98% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 10.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 4.00% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $2K | — | $2K | 10.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $988 | $988 | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $790 | $790 | 4.00% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $349 | — | $349 | 9.99% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $175 | $175 | 5.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $140 | $140 | 4.01% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $182 | — | $182 | 9.98% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $91 | $91 | 4.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $73 | $73 | 4.00% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH PLAN OF CALIFORNIA, INC. | $177 | — | $177 | 9.98% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH PLAN OF CALIFORNIA, INC. | — | $89 | $89 | 5.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH PLAN OF CALIFORNIA, INC. | — | $71 | $71 | 4.00% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $172 | — | $172 | 9.99% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $86 | $86 | 4.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $69 | $69 | 4.01% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $162 | — | $162 | 9.99% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $81 | $81 | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $65 | $65 | 4.01% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $142 | — | $142 | 10.01% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $71 | $71 | 5.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $57 | $57 | 4.02% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $122 | — | $122 | 10.03% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $61 | $61 | 5.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $49 | $49 | 4.03% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $61 | — | $61 | 10.03% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $30 | $30 | 4.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $24 | $24 | 3.95% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $5 | — | $5 | 9.80% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | — | $3 | $3 | 5.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | — | $2 | $2 | 3.92% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $5 | — | $5 | 9.80% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $3 | $3 | 5.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $2 | $2 | 3.92% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $1.5M |
| Dental(13 contracts, 13 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $61K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $61K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $61K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $61K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.