| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $123K | $129K | 2.07% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $126K | $126K | 2.02% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 6.94% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 3.96% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $8K | $15K | 10.73% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $7K | $14K | 10.53% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $4K | $7K | 10.69% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $4K | — | $4K | 7.00% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $2K | $2K | 4.00% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 12.52% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 12.48% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 12.53% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF CONNECTICUT, INC. | $375 | — | $375 | 7.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF CONNECTICUT, INC. | — | $214 | $214 | 4.00% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $306 | — | $306 | 7.00% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $175 | $175 | 4.00% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $253 | — | $253 | 7.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $145 | $145 | 4.01% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $232 | — | $232 | 6.99% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $133 | $133 | 4.01% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $193 | — | $193 | 6.99% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $110 | $110 | 3.99% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $100 | $106 | $206 | 10.29% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $138 | — | $138 | 7.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $79 | $79 | 4.01% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $55 | — | $55 | 6.98% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $32 | $32 | 4.06% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $18 | — | $18 | 6.84% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $11 | $11 | 4.18% |
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 | 679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 458 | $6.2M |
| Dental(10 contracts, 10 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 490 | $348K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 458 | $6.2M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 679 | $130K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 679 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 679 | $139K |
| Other(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.