| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 Filed as: JN SAVASTA CORP. | 1350 BROADWAY STE 410 NEW YORK, NY 10018 | CIGNA | $2K | $28K | $30K | 5.62% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY | 25B HANOVER RD, STE 2200 FLORHAM PARK, NJ 07932 | CIGNA | $538 | $11K | $12K | 2.23% |
| JN SAVASTA CORP3 Filed as: JN SAVASTA | 1350 BROADWAY, STE 410 NEW YORK, NY 10018 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 14.40% |
| JN SAVASTA CORP3 Filed as: JN SAVASTA | 28 TANGLEWYLDE AVE BRONXVILLE, NY 10708 | THE STANDARD | $3K | — | $3K | 5.31% |
| JN SAVASTA CORP3 | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | THE STANDARD | $2K | — | $2K | 4.37% |
| JN SAVASTA CORP3 | 1350 BROADWAY NEW YORK, NY 10018 | AMERICAN GENERAL LIFE INSURANCE CO | $2K | — | $2K | 8.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FI | 4851 LBJ FREEWAY #100 DALLAS, TX 75244 | AMERICAN GENERAL LIFE INSURANCE CO | $993 | — | $993 | 4.99% |
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 | 538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 48 | $530K |
| Dental(2 contracts, 2 carriers) | THE STANDARD | 402 | $69K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 538 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.