| 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 | $0 | $0 | $0 | 0.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 7.74% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | AETNA LIFE INSURANCE CO. | $3K | $0 | $3K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 325 CHESTNUT ST PHILADELPHIA, PA 38933 | AETNA LIFE INSURANCE CO. | $389 | $0 | $389 | 0.77% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | EYE MED | $719 | $0 | $719 | 9.12% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 114 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 135 | $51K |
| Vision | EYE MED | 97 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 119 | $106K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 119 | $106K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 119 | $106K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 114 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 119 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.