| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP. | 1350 BROADWAY ROOM 410 NEW YORK, NY 100180973 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $29K | $29K | 4.57% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP. | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | CIGNA | $0 | $16K | $16K | 4.28% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | CIGNA | $0 | $6K | $6K | 1.71% |
| JOSEPH N SAVASTA3 Filed as: JOSEPH SAVASTA | 1350 BROADWAY STE 410 NEW YORK, NY 10018 | TRANSAMERICA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 15.87% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.65% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 4.00% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP. | SUITE 410 1350 BROADWAY NEW YORK, NY 10018 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FI | 4851 LBJ FREEWAY #100 DALLAS, TX 75244 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 | Consulting (general) Service code 16 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS | Named fiduciary; Other services; Claims processing; Direct payment from the plan; Non-monetary compensation; Participant communication; Float revenue; Contract Administrator Service code 12 | — | $0 |
| JOSEPH SAVASTA EIN 13-3553650 | Insurance agents and brokers Service code 22 | 1350 BROADWAY STE.410 NEW YORK, NY 10018 | $0 |
| KEY BENEFIT ADMINISTRATORS, INC. EIN 35-1450364 | Consulting (general) Service code 16 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $0 |
| MITCH BESVINICK EIN 20-0792110 | Consulting (general) Service code 16 | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | $0 |
| MULTIPLAN EIN 35-2048379 | Consulting (general) Service code 16 | 115 5TH AVENUE 7TH FLOOR NEW YORK, NY 10003 | $0 |
| RGI, LLC EIN 32-0176370 | Consulting (general) Service code 16 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $0 |
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 | 608 | 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) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 113 | $1.1M |
| Dental | AMERICAN GENERAL LIFE INSURANCE COMPANY | 425 | $81K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 608 | $218K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 425 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.