| 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 | $5K | $176K | $181K | 3.30% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $111K | $111K | 2.02% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | — | $18K | 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% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $5K | $6K | 5.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $986 | $5K | $6K | 5.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $463 | $2K | $3K | 5.00% |
| 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 CONNECTICUT INC | $407 | — | $407 | 7.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF CONNECTICUT INC | — | $233 | $233 | 4.01% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | $363 | — | $363 | 7.01% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | — | $207 | $207 | 4.00% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF TEXAS INC | $339 | — | $339 | 7.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF TEXAS INC | — | $194 | $194 | 4.00% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF ILLINOIS INC | $225 | — | $225 | 7.01% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF ILLINOIS INC | — | $128 | $128 | 3.99% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF NEW JERSEY INC | $203 | — | $203 | 6.98% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF NEW JERSEY INC | — | $116 | $116 | 3.99% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16 | $76 | $92 | 5.00% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF MARYLAND INC | $108 | — | $108 | 7.03% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF MARYLAND INC | — | $61 | $61 | 3.97% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF VIRGINIA INC | $28 | — | $28 | 6.98% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF VIRGINIA INC | — | $16 | $16 | 3.99% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF OHIO INC | $9 | — | $9 | 6.72% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH OF OHIO INC | — | $5 | $5 | 3.73% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | CIGNA DENTAL HEALTH PLAN OF ARIZONA INC | $7 | — | $7 | 7.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | CIGNA DENTAL HEALTH PLAN OF ARIZONA INC | — | $4 | $4 | 4.00% |
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 | 458 | $5.5M |
| Dental(11 contracts, 11 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $328K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 458 | $5.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 677 | $120K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $57K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 634 | $128K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 677 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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."
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.