| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $69K | $9K | $77K | 6.55% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS - KEYSTONE | $7K | $892 | $8K | 6.89% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 5.02% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET SUITE 1000 PHILADELPHIA, PA 191062610 | LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.01% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.81% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH STREET 23RD FLOOR PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $375 | $375 | 0.79% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET SUITE 1000 PHILADELPHIA, PA 191062610 | LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.88% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $974 | $974 | 3.81% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH STREET 23RD FLOOR PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $197 | $197 | 0.77% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET SUITE 1000 PHILADELPHIA, PA 191062610 | LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 12.81% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $968 | $968 | 3.81% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH STREET 23RD FLOOR PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $200 | $200 | 0.79% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $885 | $0 | $885 | 6.43% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET SUITE 1000 PHILADELPHIA, PA 191062610 | VISION SERVICE PLAN | $595 | $0 | $595 | 7.58% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET SUITE 1000 PHILADELPHIA, PA 191062610 | LIFE INSURANCE COMPANY OF AMERICA | $411 | $0 | $411 | 15.02% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER ROAD SUITE 100 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $104 | $104 | 3.80% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH STREET 23RD FLOOR PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $22 | $22 | 0.80% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 186 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 126 | $61K |
| Vision | VISION SERVICE PLAN | 101 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 195 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 195 | $47K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 195 | $25K |
| Prescription drug | INDEPENDENCE BLUE CROSS - KEYSTONE | 14 | $112K |
| Other | LIFE INSURANCE COMPANY OF AMERICA | 195 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.