| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $84K | $94K | 3.13% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $61K | $61K | 2.02% |
| ANTHONY PASCAZIO3 | 3237 SPRUCE DRIVE DOYLESTOWN, PA 18902 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $43K | $48K | 1.59% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| ANTHONY PASCAZIO3 | 3237 SPRUCE DR DOYLESTOWN, PA 18902 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.11% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.19% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.82% |
| ANTHONY PASCAZIO3 | 3237 SPRUCE DR DOYLESTOWN, PA 18902 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $571 | — | $571 | 5.18% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $551 | $551 | 5.00% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $571 | — | $571 | 7.89% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $362 | $362 | 5.00% |
| ANTHONY PASCAZIO3 | 3237 SPRUCE DR DOYLESTOWN, PA 18902 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $298 | — | $298 | 4.12% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $508 | — | $508 | 9.25% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $220 | — | $220 | 6.53% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $168 | $168 | 4.99% |
| ANTHONY PASCAZIO3 | 3237 SPRUCE DR DOYLESTOWN, PA 18902 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $117 | — | $117 | 3.47% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 144 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 144 | $3.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 144 | $3.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $70K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 32 | $11K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 226 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.