| 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 HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 5.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY | 25B HANOVER RD, STE 2200 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 2.00% |
| JN SAVASTA CORP3 | 1350 BROADWAY RM 410 NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| JOSEPH N SAVASTA3 | 28 TANGLEWYLDE AVE BRONXVILLE, NY 10708 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.29% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 45 | $618K |
| Dental | STANDARD INSURANCE COMPANY | 353 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.