| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | AFLAC | $552 | $0 | $552 | 5.35% |
| JILL LISA RAPPAPORT3 Filed as: JILL RAPPAPORT AND OTHER AGENTS | 46A WINDSOR PLACE BROOKLYN, NY 11215 | AFLAC | $498 | $0 | $498 | 4.83% |
| SIMGE TOZER3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $281 | $0 | $281 | 2.72% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES, LLC | 325 CHESTNUT STREET SUITE 1000 PHILADELPHIA, PA 19106 | AFLAC | $164 | $0 | $164 | 1.59% |
| ALFRED SANFORD3 | 529 FAYETTE STREET SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $139 | $0 | $139 | 1.35% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $132 | $0 | $132 | 1.28% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY ROGERS | 513 WEST GLENSIDE AVENUE GLENSIDE, PA 19038 | AFLAC | $89 | $0 | $89 | 0.86% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $263 | $0 | $263 | 7.26% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AFLAC | 11 | $10K |
| Other(3 contracts, 3 carriers) | AFLAC | 136 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.