| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARCOS LOPEZ3 Filed as: MARCOS R. LOPEZ | 3250 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19109 | HIGHMARK BLUE SHIELD | $40K | $0 | $40K | 4.97% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE ROUND TABLE STUDIOS, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HIGHMARK BLUE SHIELD | $6K | $0 | $6K | 0.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DRIVE, SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | HIGHMARK BLUE SHIELD | $3K | $0 | $3K | 0.39% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 5420 LBJ FREEWAY, SUITE 295 DALLAS, TX 75240 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.50% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 Filed as: VOLUNTARY BENEFITS SPECIALISTS, LLC | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.33% |
| JEFFREY M NEWMAN3 Filed as: JEFFREY M. NEWMAN | 46 SOUTH MAIN STREET MEDFORD, NJ 08055 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.91% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DRIVE, SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | TRANSAMERICA LIFE INSURANCE COMPANY | $323 | $0 | $323 | 0.37% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE ROUND TABLE STUDIOS, SUITE 1000 BERKELEY HEIGHT, NJ 07922 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $485 | $4K | 11.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DRIVE, SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHT, NJ 07922 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 5.14% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | HARTFORD LIFE AND ACCIDENT | $768 | $0 | $768 | 9.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | HARTFORD LIFE AND ACCIDENT | $0 | $33 | $33 | 0.43% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | VISION SERVICE PLAN | $431 | $0 | $431 | 6.67% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | VISION SERVICE PLAN | $217 | — | $217 | 3.36% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $11 | — | $11 | 0.17% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD | 88 | $808K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 100 | $38K |
| Vision(2 contracts, 2 carriers) | HIGHMARK BLUE SHIELD | 88 | $815K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 113 | $94K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 91 | $86K |
| Prescription drug | HIGHMARK BLUE SHIELD | 88 | $808K |
| Other(4 contracts, 4 carriers) | HIGHMARK BLUE SHIELD | 120 | $905K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.