| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND LLC | 1 FINANCIAL PLAZA 2ND FLOOR HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 2.81% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $22K | $22K | 1.98% |
| DONALD C SAVOY INC3 | 258 HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07980 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $220 | $220 | 0.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND INC | 1 FINANCIAL PLAZA LOWER 2 HARTFORD, CT 11788 | AFLAC | $791 | — | $791 | 3.37% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DRIVE HAUPPAUGE, NY 11788 | AFLAC | $390 | $26 | $416 | 1.77% |
| DON'T SWEAT LIFE INC3 | 146 BAYVIEW AVENUE NORTHPORT, NY 11768 | AFLAC | $240 | $32 | $272 | 1.16% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DRIVE APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $267 | — | $267 | 1.14% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $254 | $12 | $266 | 1.13% |
| PATRICIA RUPPEL3 | 1304 LILYS CAY CIRCLE VERO BEACH, FL 32967 | AFLAC | $259 | — | $259 | 1.10% |
| BARRY SIEGEL3 | PO BOX 144 DOBBS FERRY, NY 10522 | AFLAC | $243 | — | $243 | 1.03% |
| BRADLEY S RUPPEL3 | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $132 | — | $132 | 0.56% |
| GILBERTO DASILVA3 | 33 BARRYPARK COURT ALBERTSON, NY 11507 | AFLAC | $123 | — | $123 | 0.52% |
| DON'T SWEAT LIFE INC3 | 160 MIDDLE NECK ROAD APARTMENT 3B GREAT NECK, NY 11021 | AFLAC | $119 | — | $119 | 0.51% |
| PATRICIA ANN GRECO CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $82 | — | $82 | 0.35% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $71 | — | $71 | 0.30% |
| ANTHONY CHILLE AGENCY INC3 | 35 POPLAR AVENUE FARMINGDALE, NY 11735 | AFLAC | $59 | — | $59 | 0.25% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $33 | — | $33 | 0.14% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $28 | — | $28 | 0.12% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $8 | — | $8 | 0.03% |
| KATHERINE D GRIMES3 | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $7 | — | $7 | 0.03% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $7 | — | $7 | 0.03% |
| KENNETH GRAF3 | 578 CENTER HILL ROAD PITTSBURGH, PA 15239 | AFLAC | $6 | — | $6 | 0.03% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | — | $6 | 0.03% |
| ALISSA MARIE CAVALLARO3 | 1 BAY CLUB DRIVE APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $3 | — | $3 | 0.01% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $609 | $609 | 5.00% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $1K | — | $1K | 13.96% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. DBA SAVOY ASSO | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | DENTCARE DELIVERY SYSTEMS | $298 | — | $298 | 2.79% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $917 | — | $917 | 9.41% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC DBA SAVOY ASSO | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | HEALTHPLEX INSURANCE COMPANY | $459 | — | $459 | 4.71% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 10.51% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $432 | $432 | 5.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $404 | $404 | 5.00% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $262 | — | $262 | 13.78% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. DBA SAVOY ASSO | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | DENTCARE DELIVERY SYSTEMS | $52 | — | $52 | 2.74% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $68 | $68 | 4.96% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $113 | $113 | 10.46% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 82 | $1.1M |
| Dental(3 contracts, 2 carriers) | DENTCARE DELIVERY SYSTEMS | 23 | $22K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 162 | $22K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 162 | $17K |
| Other(3 contracts, 3 carriers) | AFLAC | 162 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.