| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $154K | $154K | 2.83% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $109K | $109K | 2.00% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 13.33% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | — | $17K | 6.94% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $10K | $10K | 3.97% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF FLORIDA INC | $3K | — | $3K | 7.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF FLORIDA INC | — | $2K | $2K | 4.00% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | $506 | — | $506 | 7.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | — | $289 | $289 | 4.00% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF CONNECTICUT INC | $453 | — | $453 | 7.01% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF CONNECTICUT INC | — | $259 | $259 | 4.01% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF TEXAS INC | $225 | — | $225 | 7.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF TEXAS INC | — | $129 | $129 | 4.01% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF ILLINOIS INC | $195 | — | $195 | 7.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF ILLINOIS INC | — | $111 | $111 | 3.99% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF NEW JERSEY INC | $144 | — | $144 | 7.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF NEW JERSEY INC | — | $82 | $82 | 3.99% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF VIRGINIA INC | $56 | — | $56 | 7.04% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF VIRGINIA INC | — | $32 | $32 | 4.02% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF MARYLAND INC | $46 | — | $46 | 6.94% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF MARYLAND INC | — | $27 | $27 | 4.07% |
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 | 1,843 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,844 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 447 | $5.4M |
| Dental(9 contracts, 9 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 443 | $314K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 613 | $244K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 613 | $244K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $82K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 613 | $244K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 613 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.