| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 258 HANOVER ROAD FLORHAM PARK, NJ 07932 | KEYSTONE | $130K | $0 | $130K | 6.19% |
| EXUDE BENEFITS GROUP INC3 | 2218 RACE STREET PHILADELPHIA, PA 19103 | HARTFORD LIFE AND ACCIDENT | $14K | $459 | $14K | 8.54% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 258 HANOVER ROAD FLORHAM PARK, NJ 07932 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $0 | $4K | 4.03% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 258 HANOVER ROAD FLORHAM PARK, NJ 07932 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $865 | $0 | $865 | 4.02% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 266 | $3.1M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 337 | $120K |
| Vision | INDEPENDENCE BLUE CROSS | 123 | $971K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 433 | $163K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 433 | $163K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 123 | $971K |
| Other | HARTFORD LIFE AND ACCIDENT | 433 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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."
No prospect flags tripped on this filing.