| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NPPG EMPLOYEE BENEFITS LLC3 Filed as: NPPG EMPLOYEE BENEFITS, LLC | 494 SYCAMORE AVE SHREWSBURY, NJ 07702 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20 | $217K | $217K | 2.25% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. | ROUND TABLE STUDIOS 200 CONNELL DR #1000 BERKLEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $193K | $193K | 2.00% |
| NPPG EMPLOYEE BENEFITS LLC3 Filed as: NPPG EMPLOYEE BENEFITS, LLC | 494 SYCAMORE AVE SHREWSBURY, NJ 07702 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $113K | $135K | 6.51% |
| DAVID KUSHNER3 Filed as: DAVID C SAVOY INC | ROUND TABLE STUDIOS 200 CONNELL DR #1000 SHREWSBURY, NJ 07702 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $68K | $68K | 3.25% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. | 445 BROADHOLLOW ROAD SUITE 119 MELVILLE, NY 11747 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $93K | $23K | $117K | 10.46% |
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 | 444 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 734 | $11.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 734 | $3.2M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 734 | $3.2M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 446 | $1.1M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 446 | $1.1M |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 734 | $11.7M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 446 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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.