| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 105 FIELDCREST AVE SUITE 104 EDISON, NJ 08837 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $101K | $103K | 4.88% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $42K | $42K | 1.97% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 105 FIELDCREST AVE SUITE 104 EDISON, NJ 08837 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $250 | $11K | 9.11% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.96% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 105 FIELDCREST AVENUE SUITE 104 EDISON, NJ 08837 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.14% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $116 | $1K | $2K | 5.09% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 105 FIELDCREST AVENUE SUITE 104 EDISON, NJ 08837 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.17% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $87 | $1K | $1K | 5.10% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 105 FIELDCREST AVENUE SUITE 104 EDISON, NJ 08837 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.15% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $67 | $823 | $890 | 5.09% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $119K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.