| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DGS BENEFITS, INC.3 Filed as: DGS BENEFITS INC. | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | — | $76K | 24.95% |
| 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 | — | $25K | $25K | 8.31% |
| DGS BENEFITS, INC.3 | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 5.96% |
| 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 | — | $6K | $6K | 3.97% |
| DGS BENEFITS, INC.3 Filed as: DGS BENEFITS | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 6.25% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 4.58% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $442 | $442 | 0.36% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $211 | $4K | 12.97% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $303K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $143K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $124K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $124K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.