| 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 | $61K | $63K | 4.46% |
| 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 | — | $26K | $26K | 1.81% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ D/B/A AJM | 20 COMMERCE DRIVE SUITE 303 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $15 | $6K | 8.12% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.02% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 7.40% |
| 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. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $814 | — | $814 | 2.60% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $1K | — | $1K | 7.40% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $780 | $780 | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $624 | $624 | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $406 | — | $406 | 2.60% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ D/B/A AJM | 20 COMMERCE DRIVE SUITE 303 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $680 | $15 | $695 | 4.97% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $680 | $680 | 4.86% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $235 | — | $235 | 7.40% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $159 | $159 | 5.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $127 | $127 | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $83 | — | $83 | 2.61% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH PLAN OF CALIFORNIA, INC. | $212 | — | $212 | 7.40% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH PLAN OF CALIFORNIA, INC. | — | $143 | $143 | 4.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH PLAN OF CALIFORNIA, INC. | — | $115 | $115 | 4.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH PLAN OF CALIFORNIA, INC. | $75 | — | $75 | 2.62% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $179 | — | $179 | 7.38% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $121 | $121 | 4.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $97 | $97 | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $63 | — | $63 | 2.60% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $147 | — | $147 | 7.41% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $99 | $99 | 4.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $79 | $79 | 3.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $52 | — | $52 | 2.62% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $121 | — | $121 | 7.41% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $82 | $82 | 5.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $65 | $65 | 3.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $42 | — | $42 | 2.57% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $98 | — | $98 | 7.41% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $66 | $66 | 4.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $53 | $53 | 4.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $34 | — | $34 | 2.57% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $55 | — | $55 | 7.33% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $37 | $37 | 4.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $30 | $30 | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $19 | — | $19 | 2.53% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $55 | — | $55 | 7.33% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF KANSAS, INC. | — | $37 | $37 | 4.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF KANSAS, INC. | — | $30 | $30 | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $19 | — | $19 | 2.53% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $16 | — | $16 | 7.27% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $11 | $11 | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $9 | $9 | 4.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $6 | — | $6 | 2.73% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $13 | — | $13 | 7.39% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | — | $9 | $9 | 5.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | — | $7 | $7 | 3.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $5 | — | $5 | 2.84% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $13 | — | $13 | 7.39% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $9 | $9 | 5.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $7 | $7 | 3.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $5 | — | $5 | 2.84% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $10 | — | $10 | 7.58% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $7 | $7 | 5.30% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $5 | $5 | 3.79% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $3 | — | $3 | 2.27% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF OHIO, INC. | $7 | — | $7 | 7.95% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $4 | $4 | 4.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $4 | $4 | 4.55% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NC 07016 | CIGNA DENTAL HEALTH OF OHIO, INC. | $2 | — | $2 | 2.27% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $1.4M |
| Dental(16 contracts, 16 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $76K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $76K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $76K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $76K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.