| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | UNKNOWN BERKELEY HEIGHTS, NJ 07922 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $0 | $4K | 9.87% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | UNKNOWN BERKELEY HEIGHTS, NJ 07922 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 3.82% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | VISION SERVICE PLAN | $567 | $0 | $567 | 8.97% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $32 | $0 | $32 | 0.51% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | HARTFORD LIFE AND ACCIDENT | $748 | $0 | $748 | 14.91% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | HARTFORD LIFE AND ACCIDENT | $0 | $207 | $207 | 4.13% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE | 82 | $896K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 102 | $39K |
| Vision(2 contracts, 2 carriers) | KEYSTONE | 82 | $902K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 114 | $5K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 114 | $5K |
| Prescription drug | KEYSTONE | 82 | $896K |
| Other(3 contracts, 3 carriers) | KEYSTONE | 114 | $902K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.