| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | $29K | $3K | $32K | 2.86% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | INDEPENDENCE BLUE CROSS (WITH VISION) | $27K | $5K | $32K | 3.16% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $939 | $6K | 12.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | INDEPENDENCE BLUE CROSS (WITH DRUG) | $206 | — | $206 | 3.08% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | 174 | $2.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 338 | $114K |
| Vision | INDEPENDENCE BLUE CROSS (WITH VISION) | 174 | $996K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $47K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | 174 | $2.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.