| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY SUITE 410 FLORHAM PARK, NJ 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | $1K | $73K | 4.07% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $36K | $36K | 2.00% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY NEW YORK, NY 10018 | UNITED HEALTHCARE | $9K | $0 | $9K | 7.86% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO, INC | 32 OLD SLIP FLOOR 17 NEW YORK, NY 10005 | UNITED HEALTHCARE | $4K | $0 | $4K | 3.22% |
| JN SAVASTA CORP3 Filed as: JN SAVASTA | 1350 BROADWAY, RM 410 NEW YORK, NY 10018 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $2K | — | $2K | 10.00% |
| JN SAVASTA CORP3 Filed as: JN SAVASTA CORPORATION | 1350 BROADWAY ROOM 410 NEW YORK, NY 10018 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| JN SAVASTA CORP3 | 1350 BROADWAY, RM 410 NEW YORK, NY 10018 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $2K | — | $2K | 10.00% |
| JN SAVASTA CORP3 | 1350 BROADWAY RM 410 NEW YOK, NY 100180973 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $296 | — | $296 | 14.98% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $1.8M |
| Dental | UNITED HEALTHCARE | 216 | $117K |
| Vision | UNITED HEALTHCARE | 216 | $117K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 111 | $18K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO | 107 | $19K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO | 104 | $17K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.