| 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 | $5K | $125K | $131K | 2.07% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $127K | $127K | 2.02% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 6.94% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 3.96% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 5.00% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 4.55% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 5.00% |
| 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 | $7K | — | $7K | 15.90% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 8.78% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 16.41% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 9.77% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 16.35% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 9.67% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF CONNECTICUT, INC. | $374 | — | $374 | 7.01% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF CONNECTICUT, INC. | — | $214 | $214 | 4.01% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $259 | — | $259 | 7.00% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $148 | $148 | 4.00% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $243 | — | $243 | 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. | — | $139 | $139 | 4.00% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $162 | — | $162 | 6.99% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $93 | $93 | 4.02% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $162 | — | $162 | 6.99% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $93 | $93 | 4.02% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $153 | — | $153 | 7.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | — | $87 | $87 | 3.98% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $94 | $94 | 4.97% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $86 | — | $86 | 7.04% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $49 | $49 | 4.01% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE SUITE 300 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $18 | — | $18 | 7.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $10 | $10 | 3.89% |
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 | 710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 501 | $6.3M |
| Dental(10 contracts, 10 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 505 | $365K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 501 | $6.3M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 710 | $151K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 710 | $77K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 710 | $147K |
| Other(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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.