| 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 | $59K | — | $59K | 16.53% |
| 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 | — | $20K | $20K | 5.50% |
| DGS BENEFITS, INC.3 | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 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 | 3.98% |
| DGS BENEFITS, INC.3 Filed as: DGS BENEFITS | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 7.44% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9K | $9K | 6.74% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 17.78% |
| DGS BENEFITS, INC.3 Filed as: DGS BENEFITS INC. | 79 CHESTNUT STREET RIDGEWOOD, NJ 07450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35 | — | $35 | 6.07% |
| 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 | — | $23 | $23 | 3.99% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $359K |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $141K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $127K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $127K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.