| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER RD FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $52K | — | $52K | 50.88% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER RD FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $4K | — | $4K | 5.32% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | — | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 3.74% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | UNITED CONCORDIA INSURANCE COMPANY | $332 | — | $332 | 0.80% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.12% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.13% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65 | — | $65 | 0.18% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.99% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $832 | $832 | 4.13% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $180 | — | $180 | 0.89% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.82% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $806 | $806 | 4.10% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $173 | — | $173 | 0.88% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | — | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $581 | — | $581 | 4.91% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $118 | — | $118 | 1.00% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | VISION SERVICE PLAN | $595 | — | $595 | 8.85% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $313 | — | $313 | 11.04% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $104 | $104 | 3.67% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $83 | — | $83 | 2.93% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENCE BLUE CROSS | 167 | $175K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 109 | $54K |
| Vision | VISION SERVICE PLAN | 89 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $20K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.