| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | KEYSTONE | $20K | $0 | $20K | 3.56% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $25K | $0 | $25K | 5.83% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 6.21% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 25 B HANOVER RD FLORHAM PARK, NJ 07932 | HARTFORD LIFE AND ACCIDENT | $2K | $845 | $3K | 21.25% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | HARTFORD LIFE AND ACCIDENT | -$405 | $0 | -$405 | -3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAIN LINE HEALTH EIN 23-2308668 OTHER | Other services Service code 49 | — | $3K |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 62 | $972K |
| Dental | AETNA LIFE INSURANCE CO. | 122 | $34K |
| Vision | INDEPENDENCE BLUE CROSS | 52 | $423K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 149 | $14K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 52 | $423K |
| Other | HARTFORD LIFE AND ACCIDENT | 149 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.